EXHIBIT 31(c)

                   PRESIDENT AND COO CERTIFICATION PURSUANT TO
                            RULE 13a-14(a)/15d-14(a)

I, Mark F. Bradley, certify that:

    1.   I have reviewed this Quarterly Report on Form 10-Q for the quarterly
         period ended June 30, 2004, of Peoples Bancorp 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 registrant as of, and for, the periods presented in this 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-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
                out supervision 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 report is being prepared;

          b)    evaluated the effectiveness of the registrant'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 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 effect, the
                registrant's internal control over financial reporting; and

    5.          The registrant's other certifying officer and I have disclosed,
                based on our 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:  August 9, 2004                 By:/s/MARK F. BRADLEY
                                         --------------------------------------
                                          Mark F. Bradley
                                          President and Chief Operating Officer