EXHIBIT 13.3



First West Virginia Bancorp, Inc.

Summarized
Quarterly Financial Information



A summary of selected
quarterly financial information follows:



|2003                              |  | First Quarter |           | Second Quarter |   |           | Third Quarter |  |                |          
|--------------------------------- |  | ------------- | --------- | -------------- | - | --------- | ------------- |  | -------------- | ---------
|Total interest income             |  | $             | 3,396,307 |                | $ | 3,331,171 |               |  | $              | 3,312,373
|Total interest expense            |  |               | 1,204,535 |                |   | 1,170,228 |               |  |                | 1,126,618
|Net interest income               |  |               | 2,191,772 |                |   | 2,160,943 |               |  |                | 2,185,755
|Provision for loan losses         |  |               | 90,000    |                |   | 75,000    |               |  |                | 45,000   
|Investment securities gain        |  |               |          |                |   | 105,200   |               |  |                | 8        
|Total other income                |  |               | 265,118   |                |   | 264,732   |               |  |                | 311,285  
|Total other expenses              |  |               | 1,549,416 |                |   | 1,531,582 |               |  |                | 1,659,473
|Income before income taxes        |  |               | 817,474   |                |   | 924,293   |               |  |                | 792,575  
|Net income                        |  |               | 619,471   |                |   | 690,729   |               |  |                | 608,923  
|Net income per share              |  |               | .40       |                |   | .45       |               |  |                | .40      
|                                  |  |               |           |               
|2002                              |  | FirstQuarter  |           | SecondQuarter  |   |           | ThirdQuarter  |  | FourthQuarter  |          
|Total interest income             |  | $             | 3,442,323 |                | $ | 3,659,721 |               |  | $              | 3,633,724
|Total interest expense            |  |               | 1,273,474 |                |   | 1,300,488 |               |  |                | 1,298,615
|Net interest income               |  |               | 2,168,849 |                |   | 2,359,233 |               |  |                | 2,335,109
|Provision for loan losses         |  |               | 150,000   |                |   | 150,000   |               |  |                | 150,000  
|Investment securities gain (loss) |  |               | 17,477    |                |   | (4,974    | )             |  |                | 3        
|Total other income                |  |               | 229,059   |                |   | 241,130   |               |  |                | 282,411  
|Total other expenses              |  |               | 1,420,298 |                |   | 1,501,635 |               |  |                | 1,527,168
|Income before income taxes        |  |               | 845,087   |                |   | 943,754   |               |  |                | 940,355  
|Net income                        |  |               | 610,964   |                |   | 673,063   |               |  |                | 675,707  
|Net income per share              |  |               | .40       |                |   | .44       |               |  |                | .44      
|                                  |  |               |           |               
|2001                              |  | First Quarter |           | Second Quarter |   |           | Third Quarter |  | Fourth Quarter |          
|Total interest income             |  | $             | 3,780,886 |                | $ | 3,790,938 |               |  | $              | 3,672,678
|Total interest expense            |  |               | 1,792,532 |                |   | 1,675,215 |               |  |                | 1,592,311
|Net interest income               |  |               | 1,988,354 |                |   | 2,115,723 |               |  |                | 2,080,367
|Provision for loan losses         |  |               | 141,000   |                |   | 141,000   |               |  |                | 141,000  
|Investment securities gain        |  |               | 1,647     |                |   | 6,244     |               |  |                |         
|Total other income                |  |               | 205,944   |                |   | 243,005   |               |  |                | 257,633  
|Total other expenses              |  |               | 1,216,328 |                |   | 1,376,815 |               |  |                | 1,302,088
|Income before income taxes        |  |               | 838,617   |                |   | 847,157   |               |  |                | 894,912  
|Net income                        |  |               | 582,165   |                |   | 603,218   |               |  |                | 638,858  
|Net income per share              |  |               | .38       |                |   | .39       |               |  |                | .42      



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