**Exhibit****31.1**

#### **CERTIFICATE OF CHIEF EXECUTIVE OFFICER**

I, J. Charles Copeland, the Chief Executive Officer of FNB Banking Company(the “small business issuer”), certify that:

-  I havereviewed this quarterly report on Form 10-QSB of the small business issuer;  
-  Based on myknowledge, this report does not contain any untrue statement of a material factor omit to state a material fact necessary to make the statements made, in lightof the circumstances under which such statements were made, not misleading withrespect to the period covered by this report;  
-  Based on myknowledge, the financial statements, and other financial information included inthis report, fairly present in all material respects the financial condition,results of operations and cash flows of the small business issuer as of, andfor, the periods presented in this report;  
-  The smallbusiness issuer’s other certifying officer and I are responsible forestablishing and maintaining disclosure controls and procedures (as defined inExchange Act Rules 13a-15(e) and 15d-15(e)) for the small business issuer andhave: 

> -  Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designedunder our supervision, to ensure that material information relating to the small business issuer, including its consolidatedsubsidiaries, is made known to us by others within those entities, particularly during the period in which this report is beingprepared;  
-  Evaluated the effectiveness of the small business issuer’s disclosure controls and procedures andpresented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of theperiod covered by this report based on such evaluation; and  
-  Disclosed in this report any change in the small business issuer’s internal control over financial reportingthat occurred during the small business issuer’s most recent fiscal quarter (the small business issuer’s fourth fiscalquarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the smallbusiness issuer’s internal control over financial reporting; and 

-  The smallbusiness issuer’s other certifying officer and I have disclosed, based on ourmost recent evaluation of internal controls over financial reporting, to thesmall business issuer’s auditors and the audit committee of small businessissuer’s board of directors (or persons performing the equivalent functions): 

> -  All significant deficiencies and material weaknesses in the design oroperation of internal control over financial reporting which are reasonablylikely to adversely affect the small business issuer’s ability to record,process, summarize and report financial information; and  
-  Any fraud, whether or not material, that involves management or other employees who have a significant role in thesmall business issuer’s internal control over financial reporting. 

 

Dated this 14th day of November  2003.

|   | /s/ J. Charles CopelandJ. Charles Copeland, President    Chief Executive Officer |
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