Exhibit 31.1



CERTIFICATION



I, Francie P. Reppy, certify that:



| | 1. |  | I have reviewed this Form 10-Q of First West Virginia Bancorp, Inc. (the Registrant).
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| | 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 such statements were made, not misleading with respect to the period covered by this report;
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| | 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 the registrant as of, and for, the periods presented in this report;
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| | 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:
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| | (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 its consolidated subsidiary, is made known to us by others within those entities, particularly during the period in which this report is being prepared; and
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| | (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
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| | (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.
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| | 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:
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| | (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 ability to record, process, summarize, and report financial information; and
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| | (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.
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| | 6. |  | The Registrants other certifying officer and I have indicated in the quarterly report whether or not there were significant changes in internal controls or in other factors
that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
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|Date: August 8, 2003 |  | /s/    Francie P. Reppy                          
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|                     |  | Francie P. Reppy                                 
|                     |  | Senior Vice President and Chief Financial Officer
|                     |  | (Chief Financial Officer)