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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION


Washington, D.C. 20549


FORM 10-K/A


(Amendment No. 1)


þ
    
    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE 
ACT OF 1934For the fiscal year ended December 31, 2007ORo
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE 
ACT OF 1934For the transition period from                to


Commission file number: 000-49699


Centra Financial Holdings, Inc.




West Virginia
(State or other jurisdiction of 
incorporation or organization)
    
    55-0770610
(I.R.S. Employer
Identification No.)990 Elmer Prince Drive, Morgantown, WV
(Address of principal executive offices)
    
    26505
(Zip Code)


(304) 598-2000






Title of Each Class
    
    Name of Each Exchange on Which Registered[Common Stock, $1 par value per share]
    
    None




o þ


o þ


þ o


o


o þ


Large
accelerated
filer oAccelerated
filer oNon-accelerated filer o(Do not check if a smaller reporting company)Smaller reporting company þ




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AMENDMENT NO. 1  EXPLANATORY NOTE
  ITEM 11.
    
    EXECUTIVE COMPENSATION
  ITEM 12.
    
    SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER
MATTERS
  ITEM 13.
    
    CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
  ITEM 14.
    
    PRINCIPAL ACCOUNTING FEES AND SERVICES




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SIGNATURES
  CENTRA FINANCIAL HOLDINGS, INC.By:
    /s/  DOUGLAS J. LEECHDouglas J. Leech,President and Chief Executive Officer




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CENTRA FINANCIAL HOLDINGS, INC. AND SUBSIDIARIES ANNUAL REPORT ON
FORM 10-K
for Fiscal Year Ended December 31, 2007
 EXHIBIT
INDEX
 ExhibitNumber
    
    Description
    
    Exhibit Location3
    .1
    
    Articles of Incorporation
    
    Form S-4
Registration
Statement,
Registration No.
333-36186, filed
December 23, 1999,
and incorporated by
reference herein.3
    .2
    
    Bylaws
    
    Form 10-K for the
year ended December
31, 2006, and
incorporated by
reference herein4
    .1
    
    Shareholder Protection Rights Agreement
    
    Form S-4
Registration
Statement,
Registration No.
333-36186, filed
December 23, 1999,
and incorporated by
reference herein.10
    .1
    
    Centra Financial Holdings, Inc. 1999
Stock Incentive Plan dated as of April
27, 2000
    
    Form 10-KSB for the
year ended December
31, 2000, and
incorporated by
reference herein.10
    .2
    
    Lease agreement with Platinum Plaza, Inc.
    
    Form S-4
Registration
Statement,
Registration No.
333-36186, filed
December 23, 1999,
and incorporated by
reference herein.10
    .3
    
    Lease agreement with Frank and Teresa
Fargo for premises occupied by the
Williamsport Pike office
    
    Form 10-KSB for the
year ended December
31, 2001, and
incorporated by
reference herein.10
    .4
    
    Lease agreement with Columbus, LLC for
premises occupied by the 450 Foxcroft
Avenue office
    
    Form 10-KSB for the
year ended December
31, 2001, and
incorporated by
reference herein.10
    .5
    
    Lease agreement with Van Wyk
Enterprises, Inc. for premises occupied
by the 300 Foxcroft Avenue office
    
    Form 10-KSB for the
year ended December
31, 2001, and
incorporated by
reference herein.10
    .6
    
    Lease agreement with Union Properties
for unimproved real estate at the corner
of West Virginia Route 857 and Venture
Drive
    
    Form 10-KSB for the
year ended December
31, 2002, and
incorporated by
reference herein.10
    .7
    
    Indenture with Centra Financial
Holdings, Inc. as Issuer and Wilmington
Trust Company as Trustee
    
    Form 10-K for the
year ended December
31, 2004, and
incorporated by
reference herein.10
    .8
    
    Floating Rate Junior Subordinated
Deferrable Interest Debenture
    
    Form 10-K for the
year ended December
31, 2004, and
incorporated by
reference herein.10
    .9
    
    Guarantee Agreement by and between
Centra Financial Holdings, Inc. and
Wilmington Trust Company
    
    Form 10-K for the
year ended December
31, 2004, and
incorporated by
reference herein.10
    .10
    
    Deferred compensation plan for directors
    
    Form 10-K for the
year ended December
31, 2005, and
incorporated by
reference herein.10
    .11
    
    Stock Purchase Agreement with
shareholders of Smithfield State Bank
    
    Form 8-K filed
March 16, 2006, and
incorporated by
reference herein.10
    .12
    
    Indenture with Centra Financial
Holdings, Inc. as Issuer and Bear
Stearns as Trustee
    
    Form 10-Q for the
quarter ended June
30, 2006, and
incorporated by
reference herein.10
    .13
    
    Floating Rate Junior Subordinated
Deferrable Interest Debenture
    
    Form 10-Q for the
quarter ended June
30, 2006, and
incorporated by
reference herein.10
    .14
    
    Guarantee Agreement by and between
Centra Financial Holdings, Inc. and Bear
Stearns
    
    Form 10-Q for the
quarter ended June
30, 2006, and
incorporated by
reference herein.10
    .15
    
    Executive Supplemental Retirement Plan
for Douglas J. Leech dated April 20,
2000
    
    Form 10-K for the
year ended December
31, 2006, and
incorporated by
reference herein.10
    .15a
    
    Life Insurance Method Split Dollar Plan
Agreement
    
    Form 10-K for the
year ended December
31, 2006, and
incorporated by
reference herein.




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ExhibitNumber
    
    Description
    
    Exhibit Location10
    .15b
    
    Rabbi Trust for the Executive Supplemental
Retirement Plan Agreement and the
Endorsement Method Split Dollar Plan
Agreement.
    
    Form 10-K for the year
ended December 31,
2006, and incorporated
by reference herein10
    .16

    
    Executive Salary Continuation Plan for
Kevin D. Lemley dated January 24, 2001
    
    Form 10-K for the year
ended December 31,
2006, and incorporated
by reference herein10
    .17
    
    Executive Salary Continuation Plan for
Henry M. Kayes, Jr. dated September 6,
2005
    
    Form 10-K for the year
ended December 31,
2006, and incorporated by reference herein10
    .18
    
    Executive Salary Continuation Plan for
Kevin D. Lemley dated September 7, 2005
    
    Form 10-K for the year
ended December 31,
2006, and incorporated
by reference herein10
    .19
    
    Executive Salary Continuation Plan for E.
Richard Hilleary dated September 7, 2005
    
    Form 10-K for the year
ended December 31,
2006, and incorporated
by reference herein10
    .20
    
    Executive Salary Continuation Plan for
Karla J. Strosnider dated September 7,
2005
    
    Form 10-K for the year
ended December 31,
2006, and incorporated
by reference herein10
    .21
    
    Employment and Change-of-Control Agreement
with Kevin D. Lemley
    
    Filed herewith.10
    .22
    
    Employment and Change-of-Control Agreement
with Timothy P. Saab
    
    Filed herewith.10
    .23
    
    Employment and Change-of-Control Agreement
with E. Richard Hilleary
    
    Filed herewith.10
    .24
    
    Employment and Change-of-Control Agreement
with Henry M. Kayes, Jr.
    
    Filed herewith.10
    .25
    
    Employment and Change-of-Control Agreement
with Karla J. Strosnider
    
    Filed herewith.10
    .26
    
    Employment and Change-of-Control Agreement
with John T. Fahey
    
    Filed herewith.10
    .27
    
    Employment Agreement of Douglas J. Leech
dated January 17, 2008
    
    Filed herewith.10
    .28
    
    Executive Supplemental Retirement Plan for
Douglas J. Leech dated February 23, 2008
    
    Filed herewith.12
    
    
    Statement Re: Computation of Ratios
    
    Filed herewith.14
    
    
    Code of Ethics
    
    Form 10-K for the year
ended December 31,
2004, and incorporated
by reference herein.21
    
    
    Subsidiaries of Registrant
    
    Filed herewith.23
    
    
    Consent of Independent Registered Public
Accounting Firm
    
    Filed herewith.31
    .1
    
    Certification of Principal Executive
Officer Pursuant to Section 302 of
Sarbanes-Oxley Act of 2002
    
    Filed herewith.31
    .2
    
    Certification of Principal Financial
Officer Pursuant to Section 302 of
Sarbanes-Oxley Act of 2002
    
    Filed herewith.32
    .1
    
    Certification of Principal Executive
Officer Pursuant to Section 906 of
Sarbanes-Oxley Act of 2002
    
    Filed herewith.32
    .2
    
    Certification of Principal Financial
Officer Pursuant to Section 906 of
Sarbanes-Oxley Act of 2002
    
    Filed herewith.99
    .1
    
    Proxy Statement for the 2007 Annual Meeting
    
    To be filed.99
    .2
    
    Report of Ernst & Young LLP, Independent
Registered Public Accounting Firm
    
    Found on Page 61 herein.