Exhibit 99.1
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               DIRECTORS AND EXECUTIVE OFFICERS OF WESBANCO, INC.

     The business  address of each of the following  directors  and/or executive
officers of WesBanco,  Inc., a West Virginia  corporation  ("WesBanco"),  is c/o
WesBanco, Inc., 1 Bank Plaza, Wheeling, West Virginia 26003.

o    Paul M. Limbert.  Mr. Limbert is President,  Chief Executive  Officer and a
     director of WesBanco.

o    Dennis  G.  Powell.  Mr.  Powell  is  Executive  Vice  President  and Chief
     Operating Officer of WesBanco.

o    Robert H. Young.  Mr. Young is Executive Vice President and Chief Financial
     Officer of WesBanco.

o    Jerome B.  Schmitt.  Mr.  Schmitt  is  Executive  Vice  President--Trust  &
     Investments of WesBanco.

o    Kristine N. Molnar.  Mrs.  Molnar is Executive Vice  President--Lending  of
     WesBanco.

o    John W. Moore, Jr. Mr. Moore is Executive Vice  President--Human  Resources
     of WesBanco.

o    Larry G. Johnson. Mr. Johnson is Corporate Secretary of WesBanco.

o    Peter W. Jaworski.  Mr. Jaworski is Executive Vice President--Chief  Credit
     Officer of WesBanco.

o    Brent   E.   Richmond.   Mr.   Richmond   is   currently   Executive   Vice
     President--Treasury of WesBanco.

o    James E. Altmeyer.  Mr. Altmeyer is a director of WesBanco and President of
     Altmeyer Funeral Homes, Inc.

o    Christopher  V. Criss.  Mr. Criss is a director of WesBanco and President &
     Chief Executive Officer, Atlas Towing Co. in Parkersburg, West Virginia.

o    Robert M. D'Alessandri,  MD. Dr. D'Alessandri is a director of WesBanco and
     President and Founding Dean of the Medical Education Development Consortium
     in Scranton, Pennsylvania

o    Vaughn L. Kiger.  Mr. Kiger is a director of WesBanco and  President of Old
     Colony Company, Realtors in Morgantown, West Virginia.

o    Robert E. Kirkbride.  Mr. Kirkbride is a director of WesBanco and President
     of Ohio Valley Land Co. in Vienna, West Virginia.

o    Henry L. Schulhoff.  Mr.  Schulhoff is a director of WesBanco and President
     of Schulhoff and Company, Inc.

o    James C. Gardill.  Mr.  Gardill is a director of WesBanco and Member of the
     law firm of Phillips, Gardill Kaiser & Altmeyer, PLLC.

o    John W.  Fisher,  II. Mr.  Fisher is a director  of  WesBanco  and Dean and
     Professor of Law of the West Virginia University College of Law.

o    F. Eric Nelson,  Jr. Mr.  Nelson is a director of WesBanco and President of
     Nelson Enterprises.

o    R. Peterson  Chalfant.  Mr. Chalfant is a director of WesBanco and a lawyer
     in Steubenville, OH. o Abigail M. Feinknopf. Ms. Feinknopf is a director of
     WesBanco  and a marketing  representative  with  Feinknopf  Photography  of
     Columbus, OH.

o    Joan C. Stamp. Ms. Stamp is a director of WesBanco and Director of the West
     Virginia University Foundation in Wheeling, West Virginia.

o    Jay T. McCamic.  Mr. McCamic is a director of WesBanco and President of the
     law firm of  McCamic,  Sacco,  Pizzuti &  McCoid,  PLLC in  Wheeling,  West
     Virginia.

o    Ray A. Byrd.  Mr. Byrd is a director of WesBanco and Member of the law firm
     of Schrader, Byrd & Companion, PLLC in Wheeling, West Virginia.

o    James D. Entress.  Dr. Entress is a director of WesBanco and a retired Oral
     & Maxillo-Facial Surgeon in Singer Island, FL

o    Ernest S. Fragale. Mr. Fragale is a director of WesBanco and Vice President
     of Daisy Development Co.

o    Edward M.  George.  Mr.  George is the  Chairman of WesBanco and the former
     President & CEO, Wesbanco.

o    Reed J. Tanner. Mr. Tanner is a director of WesBanco and a Certified Public
     Accountant  with  the  firm  of  Dixon  Hughes,  PLLC in  Morgantown,  West
     Virginia.