Electronegativity is the measure of an atom to attract electrons for bonding. When a covalent bond (sharing) is created between two atoms (oxygen and hydrogen) the atom (oxygen) with the greater electronegativity gets the BIGGER share of the electron pair. This creates a partially negative charge at the oxygen and a partially positive charge at the hydrogen creating a polar bond. Now the molecule (H2O) will have a partially positive charge on the hydrogen atoms and a partially negative charge on the oxygen creating a polar molecule. Note: The negative charge on the oxygen is not only because of its electronegativity but also because of the non-bonding pairs of electrons.