EXHIBIT 13.3



Summarized Quarterly Financial Information



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First West Virginia Bancorp, Inc.

Summarized Quarterly Financial Information



A summary of selected quarterly financial information follows:



|                                  |  |              |           |   |               |   |              |  |   |               |   |  |   |          
|--------------------------------- |  | ------------ | --------- | - | ------------- | - | ------------ |  | - | ------------- | - |  | - | ---------
|2005                              |  | FirstQuarter |           |   | SecondQuarter |   | ThirdQuarter |  |   |              
|Total interest income             |  | $            | 3,305,715 |   |               | $ | 3,271,283    |  | $ | 3,246,463     |   |  |   |          
|Total interest expense            |  |              | 987,271   |   |               |   | 1,009,855    |  |   | 1,008,387     |   |  |   |          
|Net interest income               |  |              | 2,318,444 |   |               |   | 2,261,428    |  |   | 2,238,076     |   |  |   |          
|Provision for loan losses         |  |              | 90,000    |   |               |   | 90,000       |  |   |              |   |  |   |          
|Investment securities gain        |  |              | 77,856    |   |               |   | 2,390        |  |   | 38,309        |   |  |   |          
|Total other income                |  |              | 295,072   |   |               |   | 303,896      |  |   | 336,568       |   |  |   |          
|Total other expenses              |  |              | 1,930,503 |   |               |   | 1,857,371    |  |   | 1,823,928     |   |  |   |          
|Income before income taxes        |  |              | 670,869   |   |               |   | 620,343      |  |   | 789,025       |   |  |   |          
|Net income                        |  |              | 545,728   |   |               |   | 510,783      |  |   | 613,555       |   |  |   |          
|Net income per share              |  |              | 0.36      |   |               |   | 0.33         |  |   | 0.40          |   |  |   |          
|                                  |  |              |           |  
|2004                              |  | FirstQuarter |           |   | SecondQuarter |   | ThirdQuarter |  |   | FourthQuarter
|Total interest income             |  | $            | 3,312,275 |   |               | $ | 3,264,003    |  | $ | 3,428,544     |   |  | $ | 3,401,297
|Total interest expense            |  |              | 1,065,824 |   |               |   | 1,039,123    |  |   | 1,048,859     |   |  |   | 1,040,783
|Net interest income               |  |              | 2,246,451 |   |               |   | 2,224,880    |  |   | 2,379,685     |   |  |   | 2,360,514
|Provision for loan losses         |  |              | 30,000    |   |               |   | 90,000       |  |   | 90,000        |   |  |   | 90,000   
|Investment securities gain (loss) |  |              | (2,501    | ) |               |   | 6,427        |  |   | (880          | ) |  |   | 1,719    
|Total other income                |  |              | 289,355   |   |               |   | 301,170      |  |   | 336,408       |   |  |   | 351,918  
|Total other expenses              |  |              | 1,624,134 |   |               |   | 1,628,201    |  |   | 1,707,810     |   |  |   | 1,786,662
|Income before income taxes        |  |              | 879,171   |   |               |   | 814,276      |  |   | 917,403       |   |  |   | 837,489  
|Net income                        |  |              | 658,740   |   |               |   | 625,579      |  |   | 707,973       |   |  |   | 645,033  
|Net income per share              |  |              | 0.43      |   |               |   | 0.41         |  |   | 0.46          |   |  |   | 0.43     
|                                  |  |              |           |  
|2003                              |  | FirstQuarter |           |   | SecondQuarter |   | ThirdQuarter |  |   | FourthQuarter
|Total interest income             |  | $            | 3,396,307 |   |               | $ | 3,331,171    |  | $ | 3,312,373     |   |  | $ | 3,278,963
|Total interest expense            |  |              | 1,204,535 |   |               |   | 1,170,228    |  |   | 1,126,618     |   |  |   | 1,101,601
|Net interest income               |  |              | 2,191,772 |   |               |   | 2,160,943    |  |   | 2,185,755     |   |  |   | 2,177,362
|Provision for loan losses         |  |              | 90,000    |   |               |   | 75,000       |  |   | 45,000        |   |  |   | 225,000  
|Investment securities gain        |  |              |          |   |               |   | 105,200      |  |   | 8             |   |  |   | 108,510  
|Total other income                |  |              | 265,118   |   |               |   | 264,732      |  |   | 311,285       |   |  |   | 291,259  
|Total other expenses              |  |              | 1,549,416 |   |               |   | 1,531,582    |  |   | 1,659,473     |   |  |   | 1,601,272
|Income before income taxes        |  |              | 817,474   |   |               |   | 924,293      |  |   | 792,575       |   |  |   | 750,859  
|Net income                        |  |              | 619,471   |   |               |   | 690,729      |  |   | 608,923       |   |  |   | 599,118  
|Net income per share              |  |              | 0.40      |   |               |   | 0.45         |  |   | 0.40          |   |  |   | 0.39     



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