Try Madison, Indiana...it is right on the Ohio River and is a very charming town, but close to several big cities ( Louisville, Indy, Cincy). My In-Laws live there and really enjoy the area. My Wife and I often think about moving there and really think it is a wonderful place. There are two nice Indiana State Parks in that Area...Clifty Falls and Versailles State Park....we go there camping every chance we get. I have also heard some very good reviews of the Madison School System.