EXHIBIT 99.1

       CERTIFICATION OF CHIEF EXECUTIVE OFFICER OF SUMMIT BANCSHARES, INC.

      This certification is provided pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and accompanies the quarterly report on Form 10-Q
(the "Form 10-Q") for the quarter ended March 31, 2003 of Summit Bancshares,
Inc. (the "Issuer").

I, Philip E. Norwood, the Chairman, President, and Chief Executive Officer of
the Issuer certify that:

      (i)   the Form 10-Q fully complies with the requirements of section 13(a)
            or section 15(d) of the Securities Exchange Act of 1934 (U.S.C.
            78m(a) or 78o(d)); and

      (ii)  the information contained in the Form 10-Q fairly presents, in all
            material respects, the financial condition and results of operations
            of the Issuer.

Dated: May 1, 2003

                                           /s/ Philip E. Norwood
                                           -------------------------------------
                                    Name:  Philip E. Norwood
                                    Title: Chairman, President and CEO

Subscribed and sworn to before me on this 1st day of May 2003.

                                           /s/ Karen S. Appel
                                           -------------------------------------
                                    Name:  Karen S. Appel
                                    Title: Notary Public

My commission expires: August 5, 2006