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                                                                  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-KSB 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 25, 2004


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