Exhibit 31


               Certification of Chief Executive Officer and Chief
         Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley
                       Act and Rule 13a-14(a) or 15d-14(a)
                    Under the Securities Exchange Act of 1934



I, Henry Karbiner, Jr., certify that:

I have  reviewed  this  quarterly  report  on Form  10-Q of Tri City  Bankshares
Corporation;

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;

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;

I am solely responsible for establishing and maintaining disclosure controls and
procedures  (as defined in Exchange Act Rules  13a-15(e) and  15d-15(e)) for the
registrant and have:

     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 subsidiaries, is made known to
          me by others within those entities,  particularly during the period in
          which this report is being prepared;

     b)   Evaluated the  effectiveness of the registrant's  disclosure  controls
          and procedures  and presented in this report my conclusions  about the
          effectiveness of the disclosure controls and procedures, as of the end
          of the period covered by this report on such evaluation; and

     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 (the registrant's  fourth fiscal quarter in
          the case of an annual  report)  that has  materially  affected , or is
          reasonably  likely to materially  affect,  the  registrant's  internal
          control over financial reporting; and






I have disclosed,  based on my most recent  evaluation of internal  control over
financial  reporting,  to the  registrant's  auditors and the audit committee of
registrant's   board  of  directors  (or  persons   performing   the  equivalent
functions):

     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  registrant'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  registrant's  internal
          control over financial reporting.



Date: May 13, 2005
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                                    /s/ Henry Karbiner, Jr.
                                    -------------------------------------------
                                    Henry Karbiner, Jr.
                                    President, Chief Executive Officer and
                                    Treasurer
                                    (Principal Executive and Financial Officer)