EXHIBIT 31.1

       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 September 30, 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: November 1, 2003

                                /s/ Philip E. Norwood
                                ------------------------------------------------
                          Name: Philip E. Norwood
                          Title: Chairman, President and Chief Executive Officer

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

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

My commission expires:  August 5, 2006



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