Exhibit 31.1

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
               UNDER SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Dennis A. Long, certify that:

1.          I have  reviewed  this  quarterly  report  on Form  10-Q of  Pacific
            Financial Corporation;

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 we have:

                (a) Designed such disclosure controls and procedures,  or caused
                such disclosure controls and procedures to be designed under our
                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 (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.

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:  November 12, 2003                  /s/ Dennis A. Long
                                          ------------------
                                          Dennis A. Long
                                          President and Chief Executive Officer