EXHIBIT 31.1



Certification of Chief Financial Officer pursuant to section 302 of the Securities and

Exchange Act of 1934.



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Certification



I, Francie P. Reppy, certify that:



I have reviewed this quarterly report on Form 10-Q of First West Virginia Bancorp, Inc.;



Based on my knowledge, this quarterly 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 such statements were made, not misleading with respect to the period covered by this quarterly report;



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



The registrants other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f) for the registrant and
have:



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



(b) Evaluated the effectiveness of the registrants disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the
period covered by this quarterly 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 materially affected, or is reasonably likely to
materially affect, the registrants internal control over financial reporting; and



The registrants other certifying officer and 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 the
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 registrants ability to 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 registrants internal controls over financial reporting.



Date: November 10, 2004



|                                                 
|-------------------------------------------------
|/s/ Francie P. Reppy                             
|Francie P. Reppy                                 
|Senior Vice President and Chief Financial Officer
|(Principal Financial Officer)