Exhibit 31.1


                                  CERTIFICATION
                           OF EXECUTIVE VICE-PRESIDENT
                           AND CHIEF EXECUTIVE OFFICER
                 Pursuant to section 302 of the Sarbanes-Oxley Act of 2002
                     Chapter 63, Title 18 USC Section 1350 (A) and (B)


I, William A. Loving, Jr., certify that:

1.       I have reviewed this annual report on Form 10-K of Allegheny
         Bancshares, Inc.;

2.       Based on my knowledge, this annual 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 annual report;

3.       Based on my knowledge, the financial statements, and other financial
         information included in this annual 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 annual report;

4.       The registrant's other certifying officer and I are responsible for
         establishing and maintaining disclosure controls and procedures (as
         defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and
         we have:

     a)  designed such disclosure controls and procedures to ensure that
         material information relating to the registrant, including its
         consolidated subsidiaries, is made known to us by others within those
         entities, particularly during the period in which this annual report is
         being prepared;

     b)  evaluated the effectiveness of the registrant's disclosure controls and
         procedures as of the end of the period covered by this report based on
         such evaluation (the "Evaluation Date"); and

     c)  disclosed in this annual 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 control over
         financial reporting; and

5.       The registrant's other certifying officer and I have disclosed, based
         on our most recent evaluation, to the registrant's auditors and the
         audit committee of registrant's board of directors:

     a)  all significant deficiencies and material weaknesses in the design or
         operation of internal controls which could adversely affect the
         registrant's ability to record, process, summarize and report financial
         data and have identified for the registrant's auditors any material
         weaknesses in internal controls; 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; and

6.    The registrant's other certifying officer and I have indicated in this
      annual 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.


Date:   March 18, 2005

                                          /s/ WILLIAM A. LOVING, JR.
                                          -----------------------------------
                                          William A. Loving, Jr.
                                          Executive Vice-President and Chief
                                          Executive Officer