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:



|                                  |  |              |           |   |               |   |           |              |  |   |               |   |  |   |           |  
|--------------------------------- |  | ------------ | --------- | - | ------------- | - | --------- | ------------ |  | - | ------------- | - |  | - | --------- | -
|2004                              |  | FirstQuarter |           |   | SecondQuarter |   |           | ThirdQuarter |  |   |               |  
|Total interest income             |  | $            | 3,312,275 |   |               | $ | 3,264,003 |              |  | $ | 3,428,544     |   |  |   |           |  
|Total interest expense            |  |              | 1,065,824 |   |               |   | 1,039,123 |              |  |   | 1,048,859     |   |  |   |           |  
|Net interest income               |  |              | 2,246,451 |   |               |   | 2,224,880 |              |  |   | 2,379,685     |   |  |   |           |  
|Provision for loan losses         |  |              | 30,000    |   |               |   | 90,000    |              |  |   | 90,000        |   |  |   |           |  
|Investment securities gain (loss) |  |              | (2,501    | ) |               |   | 6,427     |              |  |   | (880          | ) |  |   |           |  
|Total other income                |  |              | 289,355   |   |               |   | 301,170   |              |  |   | 336,408       |   |  |   |           |  
|Total other expenses              |  |              | 1,624,134 |   |               |   | 1,628,201 |              |  |   | 1,707,810     |   |  |   |           |  
|Income before income taxes        |  |              | 879,171   |   |               |   | 814,276   |              |  |   | 917,403       |   |  |   |           |  
|Net income                        |  |              | 658,740   |   |               |   | 625,579   |              |  |   | 707,973       |   |  |   |           |  
|Net income per share              |  |              | 0.43      |   |               |   | 0.41      |              |  |   | 0.46          |   |  |   |           |  
|                                  |  |              |           |  
|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      |  
|                                  |  |              |           |  
|2002                              |  | FirstQuarter |           |   | SecondQuarter |   |           | ThirdQuarter |  |   | FourthQuarter |  
|Total interest income             |  | $            | 3,442,323 |   |               | $ | 3,659,721 |              |  | $ | 3,633,724     |   |  | $ | 3,572,817 |  
|Total interest expense            |  |              | 1,273,474 |   |               |   | 1,300,488 |              |  |   | 1,298,615     |   |  |   | 1,227,913 |  
|Net interest income               |  |              | 2,168,849 |   |               |   | 2,359,233 |              |  |   | 2,335,109     |   |  |   | 2,344,904 |  
|Provision for loan losses         |  |              | 150,000   |   |               |   | 150,000   |              |  |   | 150,000       |   |  |   | 90,000    |  
|Investment securities gain (loss) |  |              | 17,477    |   |               |   | (4,974    | )            |  |   | 3             |   |  |   | (6,281    | )
|Total other income                |  |              | 229,059   |   |               |   | 241,130   |              |  |   | 282,411       |   |  |   | 274,173   |  
|Total other expenses              |  |              | 1,420,298 |   |               |   | 1,501,635 |              |  |   | 1,527,168     |   |  |   | 1,612,925 |  
|Income before income taxes        |  |              | 845,087   |   |               |   | 943,754   |              |  |   | 940,355       |   |  |   | 909,871   |  
|Net income                        |  |              | 610,964   |   |               |   | 673,063   |              |  |   | 675,707       |   |  |   | 714,083   |  
|Net income per share              |  |              | 0.40      |   |               |   | 0.44      |              |  |   | 0.44          |   |  |   | 0.46      |