EXHIBIT 23

                       Consent of Independent Auditors


SNODGRASS
Certified Public Accountants and Consultants

                        CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference of our report dated January 25,
2002 relative to the consolidated balance sheet of First West Virginia Bancorp,
Inc. as of December 31, 2001 and the related consolidated statements of income,
changes in stockholders' equity and cash flows for each of the three years in
the period ended December 31, 2001. Said report is included in the 2001 Annual
Report to Shareholders of First West Virginia Bancorp, Inc. (Exhibit 13.1 to
this Form 10-K).

/s/ S.R. Snodgrass A.C.

Wheeling, West Virginia
March 25, 2002

S.R. Snodgrass, A.C.
980 National Road Wheeling, WV 26003-6400 Phone: 304-233-5030 Facsimile:
304-233-3062