<SEC-DOCUMENT>0000203596-01-500024.txt : 20011008
<SEC-HEADER>0000203596-01-500024.hdr.sgml : 20011008
ACCESSION NUMBER:		0000203596-01-500024
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20010817
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20010918

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WESBANCO INC
		CENTRAL INDEX KEY:			0000203596
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				550571723
		STATE OF INCORPORATION:			WV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-08467
		FILM NUMBER:		1739864

	BUSINESS ADDRESS:	
		STREET 1:		1 BANK PLAZA
		CITY:			WHEELING
		STATE:			WV
		ZIP:			26003
		BUSINESS PHONE:		3042349000

	MAIL ADDRESS:	
		STREET 1:		ONE BANK PLZ
		CITY:			WHEELING
		STATE:			WV
		ZIP:			26003
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>cra8-k.txt
<TEXT>


                     SECURITIES AND EXCHANGE COMMISSION

                          Washington, DC  20549


                                Form 8-K

                             CURRENT REPORT


   Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

   Date of Report (Date of earliest event reported) September 17,  2001
                                                    -------------------

                              WesBanco, Inc.
           ------------------------------------------------------
           (Exact name of registrant as specified in its charter)


  West Virginia                    0-8467                 55-0571723
----------------------------------------------------------------------------
(State or other jurisdiction       (Commission          (IRS Employer
    of incorporation)               File Number)         Identification No.)


1 Bank Plaza, Wheeling, WV                                    26003
-----------------------------------------------------------------------
(Address of principal executive offices)                    (Zip Code)


Registrant's telephone number, including area code     (304) 234-9000
                                                       --------------
Former name or former address, if changed since last report  Not Applicable
                                                             --------------




Item 5. Other Events

     On July 23, 2001, WesBanco, Inc. announced that its banking subsidiary,
WesBanco Bank, Inc. had received notification from its banking regulator,
the Federal Reserve Bank of Cleveland, of a downgrading of the Bank's
Community Reinvestment Act ("CRA") rating.  The Bank's Board of Directors
has approved the preparation and filing of an appeal with the Federal Reserve
of the CRA downgrade.

     With regard to WesBanco's previously announced acquisition with Freedom
Bancshares, Inc., WesBanco and Freedom Bancshares, Inc. mutually agreed on
September 17, 2001, to terminate the definitive Agreement and Plan of Merger
of Freedom Bancshares affiliate, Belington Bank, Belington, West Virginia,
with and into WesBanco's affiliate, WesBanco Bank, Inc.

Item 7. Financial Statements and Exhibits

(b) Exhibits

     99 - Press release dated September 17, 2001, announcing WesBanco's
          banking subsidiary, WesBanco Bank, Inc.'s regulatory notification
          and appeal.


Signatures

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                          WesBanco, Inc.
                                          --------------
                                          (Registrant)

                                          /s/ Paul M. Limbert
September 18, 2001                        -----------------------------------
------------------                        Paul M. Limbert
      Date                                President & Chief Executive Officer




</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>pr-cra.txt
<TEXT>

                                                                EXHIBIT 99
                                                                ----------


NEWS For Immediate Release
September 17, 2001                     For Further Information Contact:

                                       Paul M. Limbert  or  Robert H. Young
                                       President & CEO      Executive V/P-CFO
                                       (304) 234-9206       (304) 234-9447

                                       Nasdaq Trading Symbol: WSBC


WesBanco Announces Regulatory Notification and Appeal


WesBanco, Inc. ("WesBanco"), a multi-state bank holding company headquartered
in Wheeling, West Virginia, previously announced that its banking subsidiary,
WesBanco Bank, Inc. ("Bank") had received notification from its banking
regulator, the Federal Reserve Bank of Cleveland, of a downgrading of the
bank's Community Reinvestment Act ("CRA") rating.

After a thorough analysis of the Bank's CRA performance and the Federal
Reserve's Performance Evaluation and other related factors, the Bank's Board
of Directors has approved the preparation and filing of an appeal with the
Federal Reserve of the CRA downgrade.  This appeal has been filed in
accordance with the Federal Reserve Bank of Cleveland's internal guidelines.
The Performance Evaluation, which indicates an overall rating of "Needs to
Improve" is now available in the bank's Public Files in accordance with
regulatory requirements.

Paul M. Limbert, President and Chief Executive Officer of WesBanco, Inc.
commented, "The Bank's Board of Directors and management team believe that
the Bank continues to meet the overall credit needs of all individuals living
in the communities we serve. Our appeal will, in part, focus on economic and
geographic factors as they relate to our performance as evaluated by the
Federal Reserve."



(more)

WesBanco Press Release                                                Page 2

The impact of the downgrade of the Bank's CRA rating could be anticipated to
adversely affect the ability of WesBanco to obtain regulatory approval for
its previously announced acquisition with American Bancorporation.  This
regulatory action is not directed at, nor does it involve, either Freedom
Bancshares, Inc. or American Bancorporation.  With regard to WesBanco's
previously announced acquisition with Freedom Bancshares, Inc., WesBanco and
Freedom Bancshares, Inc. have mutually agreed to terminate the definitive
Agreement and Plan of Merger providing for the merger of Freedom Bancshares
affiliate, Belington Bank, Belington, West Virginia, with and into WesBanco's
affiliate, WesBanco Bank, Inc. American Bancorporation and WesBanco will
evaluate their options under the applicable merger agreement, and determine
an appropriate course as the appeal process proceeds.

WesBanco is a $2.4 billion multi-state bank holding company presently
operating through 59 banking offices in the states of West Virginia and Ohio.
Its principal subsidiaries include WesBanco Bank, Inc., an insurance company,
WesBanco Insurance Services and WesBanco Securities, Inc., a full service
broker/dealer that also operates Mountaineer Securities, WesBanco's discount
brokerage operation.

                                     -End-

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
