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                                                                    Exhibit 99.1


                                  CERTIFICATION

I, Thomas R. Rosazza,  certify that:

1.     I have reviewed this quarterly report on Form 10-QSB of Pioneer
       Bankshares, Inc.;

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;

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 small business issuer as of, and for, the periods presented in this
       report;

4.     The small business issuer's other certifying  officer(s) 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))
       for the small business issuer 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
          small business issuer, including its consolidated subsidiaries,
          is made known to us by others within those entities, particularly
          during the period in which this report is being prepared;

       b) Evaluated the effectiveness of the small business issuer's
          disclosure controls and procedures and presented in this report our
          conclusions 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

       c) Disclosed in this report any change in the small business issuer's
          internal control over financial reporting that occurred during the
          small business issuer's most recent fiscal quarter (the small business
          issuer's fourth fiscal quarter in the case of an annual report) that
          has materially affected, or is reasonably likely to materially affect,
          the small business issuer's internal control over financial reporting;
          and

5.     The small business issuer's other certifying officer(s) and I have
       disclosed, based on our most recent evaluation of internal control over
       financial reporting, to the small business issuer's auditors and the
       audit committee of the small business issuer's board of directors (or
       persons performing the equivalent functions):


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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 small business issuer'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 small business
          issuer's internal control over financial reporting.



Date:  August 12, 2003            /s/ THOMAS R. ROSAZZA
                                  --------------------------------------------
                                  Thomas R. Rosazza
                                  President and Chief Executive Officer