EXHIBIT 22

SUBSIDIARIES OF THE REGISTRANT

     The City National Bank of Charleston, Charleston, West  Virginia, Home
National  Bank  of Sutton,  Sutton,  West  Virginia,  are national  banking
associations conducting business  in West  Virginia and are  100% owned  by
City Holding Company.   The Peoples Bank of Point Pleasant, Point Pleasant,
West Virginia; First  State Bank & Trust, Rainelle, West  Virginia; Bank of
Ripley, Ripley, West Virginia; Blue Ridge Bank, Martinsburg, West Virginia;
and  The  Buffalo  Bank of  Eleanor,  Eleanor,  West  Virginia; are  state-
chartered banking institutions conducting business in West Virginia and are
100%  owned by City Holding Company. Hinton Financial Corporation, a single
bank holding company, and its subsidiary The First National Bank of Hinton,
a  national banking association, are  located in Hinton,  West Virginia and
100% owned by City Holding Company.  City Mortgage Corporation, Pittsburgh,
Pennsylvania,  is  a full  service  mortgage  banking company  business  in
Pennsylvania and City Financial  Corporation, Charleston, West Virginia, is
a  full  service  securities  brokerage  and  investment  advisory  company
conducting business in West Virginia.   Both are 100% owned by City Holding
Company.