Exhibit 31.1

                                 CERTIFICATIONS

         I, Billy Atkins, certify that:

         1. I have  reviewed  this Form  10-QSB of Legends  Financial  Holdings,
Inc.;

         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 small
business issuer as of, and for, the periods presented in this quarterly report;

         4. The small  business  issuer'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-(e)) for the small  business
issuer and 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 small
         business issuer, including its consolidated subsidiaries, is made known
         to us by others within those entities,  particularly  during the period
         in which this quarterly report is being prepared;

            (b) Evaluated the effectiveness of the small business issuer'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 small business
         issuer's internal control over financial reporting that occurred during
         the small  business  issuer's  most recent  fiscal  quarter  (the small
         business  issuer's  fourth  fiscal  quarter  in the  case of an  annual
         report)  that has  materially  affected,  or is  reasonably  likely  to
         materially  affect,  the small business  issuer's internal control over
         financial reporting; and

         5. The small  business  issuer's  other  certifying  officer and I have
disclosed,  based on our most recent evaluation,  to the small business issuer's
auditors  and the  audit  committee  of the  small  business  issuer's  board of
directors:

            (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 small  business  issuer'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  small  business
         issuer's internal control over financial reporting

August 11, 2004

/s/    Billy Atkins
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President and CEO