Exhibit 31 

**CERTIFICATION**

I, Stanley M. Kiser, certifythat:

|        |    |                                                                 |
|--------|----|-----------------------------------------------------------------|
|   | 1. | I have reviewed this Form 10-QSB of Sistersville Bancorp, Inc.; |

|        |    |                                                                                                                                                                                                                                                                                                           |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | 2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which suchstatements were made, not misleading with respect to the period covered by this report; |

|        |    |                                                                                                                                                                                                                                                                                        |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | 3. | Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of theregistrant as of, and for, the periods presented in this report; |

|        |    |                                                                                                                                                                               |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | 4. | I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rule 13a-15(e) and 15d-15(e)) for the registrant and I have: |

|        |     |                                                                                                                                                                                                                                                                                                                                                                                |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | (a) | Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under my supervision, to ensure that material information relating to the registrant, including itsconsolidated subsidiary, is made known to us by others within those entities, particularly during the period in which this report is being prepared; and |

|        |     |                                                                                                                                                                                                                                                                                        |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | (b) | Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusion about the effectiveness of the disclosure controls and procedures,as of the end of the period covered by this report based on such evaluation; and |

|        |     |                                                                                                                                                                                                                                                                                                                          |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | (c) | Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materiallyaffected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting. |

|        |    |                                                                                                                                                                                                        |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | 5. | I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors: |

|        |     |                                                                                                                                                                                                                                                                            |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | (a) | All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the issuer’s abilityto record, process, summarize, and report financial information; and |

|        |     |                                                                                                                                                                             |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | (b) | Any fraud, whether or not material, that involves management or other employees who have a significant role in the issuer’s internal control over financial reporting. |

|                    |                                                                              |
|--------------------|------------------------------------------------------------------------------|
| August 8, 2003     |                                                                         |
|               | /s/ STANLEY M. KISER                                                         |
|     | Stanley M. Kiser                                                             |
|     | President and Chief Executive Officer                                        |
|     | (Principal Executive Officer and Principal Accounting and Financial Officer) |