Exhibit 31.1


                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                              UNDER RULE 13a-14(a)

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))  and  internal  control  over
financial  reporting (as defined in Exchange Act Rules  13a-15(f) and 15d-15(f))
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)  Designed such internal  control over  financial  reporting,  or
                 cause such  internal  control  over  financial  reporting to be
                 designed under our supervision, to provide reasonable assurance
                 regarding  the  reliability  of  financial  reporting  and  the
                 preparation of financial  statements  for external  purposes in
                 accordance with generally accepted accounting principles;

            (c)  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

            (d)  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:  May 9, 2005                        /s/ Dennis A. Long
                                          -------------------------------------
                                          Dennis A. Long
                                          President and Chief Executive Officer