**Exhibit 31.1**
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**Exhibit 31.1**
I, Lawrence M. Kimbrough, certify that:
     1. I have reviewed this annual report on Form 10-K of First Charter Corporation;
     2. Based on my knowledge, this report does not contain any untrue statement of a material factor omit to state a material fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading with respect to the periodcovered by this report;
     3. Based on my knowledge, the financial statements, and other financial information includedin this report, fairly present in all material respects the financial condition, results ofoperations and cash flows of the Registrant as of, and for, the periods presented in this report;
     4. The Registrant’s other certifying officer(s) and I are responsible for establishing andmaintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules13a-15(f) and 15d-15(f)) for the Registrant and have:
     (a) Designed such disclosure controls and procedures, or caused suchdisclosure controls and procedures to be designed under our supervision, to ensure thatmaterial information relating to the Registrant, including its consolidated subsidiaries, ismade known to us by others within those entities, particularly during the period in whichthis report is being prepared;
     (b) Designed such internal control over financial reporting, or caused suchinternal control over financial reporting to be designed under our supervision, to providereasonable assurance regarding the reliability of financial reporting and the preparation offinancial statements for external purposes in accordance with generally accepted accountingprinciples;
     (c) Evaluated the effectiveness of the Registrant’s disclosure controls andprocedures and presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by this report basedon such evaluation; and
     (d) Disclosed in this report any change in the Registrant’s internal controlover financial reporting that occurred during the Registrant’s most recent fiscal quarter(the Registrant’s fourth fiscal quarter in the case of an annual report) that has materiallyaffected, or is reasonably likely to materially affect, the Registrant’s internal controlover financial reporting; and
     5. The Registrant’s other certifying officer(s) and I have disclosed, based on our most recentevaluation of internal control over financial reporting, to the Registrant’s auditors and the auditcommittee of the Registrant’s board of directors (or persons performing the equivalent functions):
     (a) All significant deficiencies and material weaknesses in the design oroperation of internal control over financial reporting which are reasonably likely toadversely affect the Registrant’s ability to record, process, summarize and report financialinformation; and
     (b) Any fraud, whether or not material, that involves management or otheremployees who have a significant role in the Registrant’s internal control over financialreporting.   Date: March 11, 2005 /s/ Lawrence M. Kimbrough   Lawrence M. Kimbrough President and Chief Executive Officer
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