1


                                  EXHIBIT 22.1

                       Subsidiaries of the Holding Company



1.       Progressive Bank, N.A. of Wheeling, West Virginia, a national banking
         association with offices in Wheeling, Wellsburg, and Moundsville, West
         Virginia and Bellaire, Ohio.

2.       Progressive Bank, N.A. - Buckhannon of Buckhannon, West Virginia, a
         national banking association with offices in Buckhannon and Weston,
         West Virginia.






                                       86