NEWS FOR IMMEDIATE RELEASE

October 21, 2004	For Further Information Contact:
	Paul M. Limbert
	President & Chief Executive Officer
	or
	Robert H. Young
	Executive V/P & Chief Financial Officer
	(304) 234-9000
	NASDAQ Trading Symbol: WSBC
	Website: www.wesbanco.com

WesBanco Announces a 12.2 % Increase in Year to Date 2004 Earnings Per Share.

Wheeling, WV.Paul M. Limbert, President & Chief Executive Officer of WesBanco, Inc., a Wheeling, West Virginia based multi-state bank holding company, today announced increased earnings per share and net income for the third quarter and nine months ended September 30, 2004.

Mr. Limbert stated that WesBanco’s earnings per share for the nine months ended September 30, 2004 increased 12.2% to $1.47 compared to $1.31 for 2003. Net income for the nine months ended September 30, 2004 also increased 10.3% to $29.2 million compared to $26.4 million for 2003. WesBanco’s earnings per share for the third quarter ended September 30, 2004 increased 2.0% to $0.50 compared to $0.49 for 2003. Net income for the quarter ended September 30, 2004 increased 2.4% to $10.0 million compared to $9.8 million for 2003. Earnings per share and net income also increased on a sequential basis from the second quarter’s $0.48 per share and $9.4 million. Annualized return on average assets on a year to date basis was 1.12% as compared to 1.06% for the prior year and annualized return on average equity for the same period was 11.97% compared to 11.07% for 2003. The third quarter and nine months ended September 30, 2004 include the results of operations of Western Ohio Financial Corporation ("Western Ohio") and its banking subsidiary, Cornerstone Bank from the closing date of the acquisition on August 31, 2004.

"I am very pleased with our results for the third quarter and nine months ended September 30, 2004 which show increases over the comparable periods in 2003 and also reflect sequential growth over our strong second quarter of 2004," Mr. Limbert stated. "During the third quarter, WesBanco completed the acquisition of Western Ohio, adding over $400 million in assets and seven branch locations in the Dayton-Springfield, Ohio, metropolitan markets to WesBanco. While our balance sheet has grown due to the acquisition, this should not overshadow our organic loan growth of 11.7% in commercial and commercial real estate lending since the end of 2003. In the third quarter, WesBanco laid the foundation for additional growth in southwestern Ohio by announcing the execution of a definitive Agreement and Plan of Merger with Winton Financial Corporation ("Winton"), which has assets of approximately $550 million and operates through seven banking locations and two loan production offices in the Cincinnati, Ohio area. These two mergers will help expand our footprint in the state of Ohio and allow WesBanco entry into two new markets in higher growth metropolitan areas. We look forward to bringing our banking services to these new and existing customers alike," said Mr. Limbert.

As announced previously, on August 31, 2004, WesBanco completed the acquisition of Western Ohio. The aggregate purchase price for the acquisition was approximately $69.7 million through the exchange of a combination of WesBanco’s common stock and cash for Western Ohio common stock. Western Ohio shareholders received, at their election, either $35.00 in cash or 1.18 shares of WesBanco common stock, subject to certain limitations. The exchange was structured to be a 55% stock and 45% cash transaction. The purchase was funded through the issuance of 1,177,753 shares of WesBanco common shares held in treasury while the cash consideration totaling $28.6 million was paid from WesBanco’s available cash, primarily from the recent issuance of junior subordinated debt in June of 2004. As of the date of the acquisition Western Ohio had total assets of approximately $412 million, loans of $334 million, deposits of $255 million, borrowings of $111 million and shareholders’ equity of $44 million. WesBanco recorded goodwill and core deposit intangibles totaling $29.5 million in conjunction with the merger, which are subject to post merger adjustments.

Net interest income increased $0.2 million or 0.6% and $3.9 million or 5.2% compared to the third quarter and nine months ended September 30, 2003, primarily from an increase in earning assets. Average earning assets for the third quarter and nine months ended September 30, 2004 increased $259.7 million or 8.4% and $146.4 million or 4.8% compared to the same periods in 2003. The net interest margin was 3.52% for the third quarter of 2004 and 3.63% on a year to date basis for 2004 compared to 3.79% and 3.63% for the corresponding periods in 2003. WesBanco’s net interest margin prior to the merger approximated 3.55% and for the month of September after the Western Ohio acquisition the net interest margin was 3.46%. Future margin compression may be experienced due to the acquired assets of Western Ohio, which had a net interest margin approximating 2.90% after purchase accounting adjustments.

Non-interest income increased $1.3 million or 15.7% and $1.6 million or 6.5% compared to the third quarter and nine months ended September 30, 2003. Trust fees increased $0.1 million or 1.8% compared to the third quarter of 2003 and also showed a strong increase of $1.2 million or 14.0% compared to the nine months ended September 30, 2003, primarily due to new account relationships and a new fee schedule implemented in late 2003. The market value of trust assets under management was approximately $2.6 billion at September 30, 2004, compared to $2.5 billion at September 30, 2003. For the third quarter and nine months ended September 30, 2004 compared to 2003, service charges on deposits increased $0.4 million or 13.4% and $1.0 million or 10.9% due to the continued growth in ATM and debit card transaction income, which increased over 40% from last year. Net securities gains were $1.2 million and $2.0 million for the third quarter and nine months ended September 30, 2004, respectively, compared to $0.2 million and $2.6 million for the same periods in 2003. The increase in security gains during the third quarter of 2004 was primarily the result of the sale of certain equity securities at a pre-tax gain of approximately $0.8 million.

The provision for loan losses decreased 13.2% and 21.4% compared to the third quarter and nine months ended September 30, 2003, respectively. This decrease is attributable to lower net charge-offs, which declined 29.7% on a year to date basis compared to September 30, 2003 and overall improvement in credit quality as the regional economy continues to recover. As a result, non-performing loans decreased 13.8% and loans past due 90 days or more decreased 19.7% compared to December 31, 2003. The allowance for loan losses increased at September 30, 2004 primarily due to the acquired allowance of Western Ohio of approximately $2.1 million at the time of the merger. The allowance as a percentage of total loans decreased as a result of improvement in virtually all of the factors that are considered by management to determine the adequacy of the allowance, as discussed above, as well as a change in the composition of the loan portfolio due to the Western Ohio acquisition. Residential real estate loans, which have the lowest historical loss rate of any category of loans, represented 51% of Western Ohio's loan portfolio compared to 29% for WesBanco prior to the acquisition.

Non-interest expense increased $1.7 million or 8.5% and $3.4 million or 5.5% compared to the third quarter and nine months ended September 30, 2003. For the third quarter of 2004 compared to 2003, salaries and employee benefits increased $0.7 million or 6.6%, due to additional staffing from Western Ohio and increased incentive compensation. For the same period, other operating expenses increased $0.8 million or 13.7% primarily from increases in ATM expenses, electronic processing costs and marketing expenses, and to a lesser extent the additional costs associated with the new banking offices acquired from Western Ohio. On a year to date basis compared to 2003, salaries and employee benefits increased $2.1 million or 6.6% due to normal salary increases, higher incentive compensation and health insurance. For the same period, other operating expenses increased $1.1 million or 5.9% primarily from increases in ATM expenses and marketing expenses, which were partially offset by lower franchise taxes. Merger costs and core deposit intangible amortization related to Western Ohio recorded in the third quarter of 2004 totaled $0.2 million and $0.1 million, respectively. In its analysis of the Western Ohio transaction, WesBanco expects cost savings to approximate 24% to 28% of Western Ohio’s estimated annualized pre-tax operating expenses of $9.3 million for 2004.

The provision for income taxes decreased $0.2 million or 9.1% and increased $0.9 million or 15.8% compared to the third quarter and nine months ended September 30, 2003. The increase on a year to date basis was primarily due to an increase in pretax income and to a lesser extent the impact of Western Ohio, which had an effective tax rate approximating 32% prior to the merger. The effective tax rate decreased to 17.8% for the third quarter of 2004 compared to 19.6% for 2003 and increased to 18.7% for the nine months ended September 30, 2004, compared to 18.0% for 2003, primarily due to certain adjustments as a result of filing WesBanco’s annual corporate tax returns.

Total loans increased 25.1% at September 30, 2004 compared to December 31, 2003. This increase was primarily due to continued organic growth of approximately $155 million as well as the acquisition of Western Ohio, which added approximately $330 million to loans at the time of the merger. Organic growth was driven by continued success in originating commercial and commercial real estate loans, primarily due to strong demand in the Columbus, Ohio and Western Pennsylvania markets. Residential real estate loans increased through the new acquisition, new loan originations and to a lesser extent the purchase of loans originated by another financial institution. Home equity and consumer loans were bolstered by new marketing campaigns and an improved focus on indirect automobile lending.

Total deposits increased $220.1 million or 8.9% at September 30, 2004 compared to December 31, 2003, with approximately $255 million in deposits acquired from Western Ohio. Average deposit balances for the nine months ended September 30, 2004 increased by $34.7 million or 1.4% compared to the same period in 2003. Average non-interest bearing demand deposits increased $23.1 million or 7.8% compared to September 30, 2003 as WesBanco continues to place marketing emphasis on transaction based accounts, which typically also provide ancillary service charge income and are a lower-cost funding source. Average interest bearing demand deposits and money market accounts on a combined basis for the nine months ended September 30, 2004 increased $39.1 million or 4.8%, while average certificates of deposit and savings accounts decreased $21.8 million or 2.3% and $5.7 million or 1.6%, respectively, compared to 2003. The average rate paid on deposits for the nine months ended September 30, 2004 decreased to 1.76% compared to 2.18% for the same period in 2003.

Federal Home Loan Bank ("FHLB") borrowings increased $202.6 million or 56.1% at September 30, 2004 compared to December 31, 2003, due to $101.6 million in new FHLB borrowings, as well as the additional $111.0 million in FHLB advances from Western Ohio. Junior subordinated debt increased $41.2 million at September 30, 2004 compared to December 31, 2003, due to the creation in June 2004 of WesBanco Capital Trusts IV and V. WesBanco used approximately $28.6 million of the junior subordinated debt issuance to fund the Western Ohio acquisition with the remaining amount available to fund a portion of the pending Winton acquisition. Other borrowings decreased $55.6 million or 25.5% at September 30, 2004 compared to December 31, 2003 due to reductions in repurchase agreements, federal funds purchased and other borrowings, which was due to an intentional lengthening of overall borrowed funds in a rising rate environment. The average rate paid on all borrowed funds for the nine months ended September 30, 2004 decreased to 2.99% compared to 3.30% for the same period in 2003.

Shareholders’ equity at September 30, 2004 was highlighted by a Tier I leverage ratio of 9.96% compared to 8.61% at September 30, 2003. Book value increased to $17.59 per share at September 30, 2004 compared to $15.89 at September 30, 2003.

WesBanco is a multi-state bank holding company presently operating through 80 banking offices and 122 ATM machines in West Virginia, Ohio and western Pennsylvania. WesBanco is the second largest bank holding company headquartered in West Virginia with the third overall deposit market share. Its banking subsidiary is WesBanco Bank, Inc., headquartered in Wheeling, West Virginia. In addition, WesBanco operates an insurance brokerage, WesBanco Insurance Services, Inc. and a full service broker/dealer, WesBanco Securities, Inc.

Forward-looking statements in this press release relating to WesBanco’s plans, strategies, objectives, expectations, intentions and adequacy of resources, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this press release should be read in conjunction with WesBanco’s most recent annual report filed with the Securities and Exchange Commission on Form 10-K for the year ended December 31, 2003, as well as the Form 10-Q for the prior quarter ended June 30, 2004, which are available at the SEC’s website www.sec.gov or at WesBanco’s website, www.wesbanco.com. Investors are cautioned that forward-looking statements, which are not historical fact, involve risks and uncertainties, including those detailed in the Company’s most recent Annual Report on Form 10-K filed with the Securities and Exchange Commission under the section "Risk Factors". Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements, including without limitation, the effect of changing regional and national economic conditions; changes in interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to the parent company and its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing activities; actions of the Federal Reserve Board, Federal Deposit Insurance Corporation, the Securities and Exchange Commission, the National Association of Securities Dealers and other regulatory bodies; potential legislative and federal and state regulatory actions and reform; competitive conditions in the financial services industry; rapidly changing technology affecting financial services, the ability of the company to comply with the requirements of Section 404 of the Sarbanes-Oxley act of 2002 in a timely manner, and/or other external developments materially impacting WesBanco’s operational and financial performance. WesBanco does not assume any duty to update forward-looking statements.

###

See attached financial highlights.

WESBANCO, INC.								Page 5
Consolidated Selected Financial Highlights
September 30, 2004 and 2003 and December 31, 2003
(unaudited, dollars in thousands)		September 30,			December 31,			September 30,
Balance sheet (period end)		2004			2003			2003
Assets
Cash and due from banks	$	83,232		$	88,021		$	91,034
Due from banks - Interest bearing		3,309			3,189			2,734
Federal funds sold		-			17,000			-
Securities		1,144,606			1,201,109			1,235,346
Loans:
Commercial and commercial real estate		1,239,208			993,029			922,684
Residential real estate		770,272			579,103			585,895
Consumer and home equity		408,828			361,406			372,445
Total loans		2,418,308			1,933,538			1,881,024
Allowance for loan losses		(29,694	)		(26,235	)		(26,236	)
Net loans		2,388,614			1,907,303			1,854,788
Premises and equipment		56,949			53,232			54,166
Goodwill		73,187			49,868			49,588
Other intangibles		13,206			7,933			8,278
Other assets		139,548			117,351			116,912
Total Assets	$	3,902,651		$	3,445,006		$	3,412,846
Liabilities and Shareholders' Equity
Non-interest bearing demand deposits	$	343,790		$	328,337		$	315,197
Interest bearing demand deposits		309,921			307,925			292,421
Money market accounts		616,492			563,295			556,856
Savings deposits		360,276			352,324			355,455
Certificates of deposit		1,071,734			930,201			942,116
Total deposits		2,702,213			2,482,082			2,462,045
Federal Home Loan Bank borrowings		563,860			361,230			363,594
Other borrowings		162,192			217,754			202,534
Junior subordinated debt and trust preferred securities		72,174			30,936			30,000
Other liabilities		35,909			34,568			39,827
Shareholders' equity		366,303			318,436			314,846
Total Liabilities and Shareholders' Equity	$	3,902,651		$	3,445,006		$	3,412,846

Average balance sheet and net interest margin analysis		For the Three Months Ended								For the Nine Months Ended
		2004				2003				2004					2003
		Average	Average			Average	Average			Average	Average				Average	Average
Assets		Volume	Rate			Volume	Rate			Volume	Rate				Volume	Rate
Loans, net of unearned income	$	2,200,181	5.64	%	$	1,847,602	6.39	%	$	2,037,278	5.77	%		$	1,827,923	6.33	%
Securities:
Taxable		776,262	3.73	%		863,404	3.56	%		782,328	3.68	%			829,278	3.91	%
Tax-exempt		381,672	7.09	%		379,632	7.26	%		376,382	7.12	%			371,890	7.33	%
Total securities		1,157,934	4.84	%		1,243,036	4.69	%		1,158,710	4.80	%			1,201,168	4.97	%
Federal funds sold		1,266	1.01	%		9,035	0.92	%		5,516	0.94	%			25,997	1.15	%
Total earning assets		3,359,381	5.37	%		3,099,673	5.69	%		3,201,504	5.41	%	3,055,088			5.75%
Other assets		258,981				282,804				269,183					286,713
Total Assets	$	3,618,362			$	3,382,477			$	3,470,687				$	3,341,801
Liabilities and Shareholders' Equity
Interest bearing demand deposits	$	296,209	0.32	%	$	292,266	0.30	%	$	294,005	0.28	%		$	284,249	0.38	%
Money market accounts		572,630	1.71	%		555,479	1.84	%		565,111	1.68	%			535,739	2.12	%
Savings deposits		354,793	0.31	%		357,622	0.33	%		354,140	0.32	%			359,884	0.60	%
Certificates of deposit		972,452	2.84	%		951,633	3.06	%		943,311	2.82	%			965,115	3.34	%
Total interest bearing deposits		2,196,084	1.80	%		2,157,000	1.92	%		2,156,567	1.76	%			2,144,987	2.18	%
Federal Home Loan Bank                 borrowings		482,549	3.37	%		364,315	3.70	%		411,716	3.44	%			353,878	4.01	%
Other borrowings		175,905	1.36	%		177,534	1.28	%		177,316	1.30	%			169,187	1.39	%
Junior subordinated debt and
trust preferred securities		72,174	5.42	%		30,000	5.77	%		46,886	5.49	%			19,337	7.02	%
Total interest bearing liabilities		2,926,712	2.12	%		2,728,849	2.16	%		2,792,485	2.04	%			2,687,389	2.41	%
Non-interest bearing demand     deposits		324,542				303,800				320,667					297,521
Other liabilities		31,295				37,097				32,216					37,940
Shareholders' equity		335,813				312,731				325,319					318,951
Total Liabilities and
Shareholders' Equity	$	3,618,362			$	3,382,477			$	3,470,687				$	3,341,801
Taxable equivalent net interest
margin			3.52	%			3.79	%			3.63	%				3.63	%

WESBANCO, INC.
Consolidated Selected Financial Highlights
September 30, 2004 and 2003										Page 6
(unaudited, dollars in thousands, except per share amounts)
	For the Three Months Ended						For the Nine Months Ended
	September 30,						September 30,
Statement of income		2004			2003			2004			2003
Interest income	$	42,858		$	41,925		$	122,710		$	124,450
Interest expense		15,585			14,825			42,748			48,430
Net interest income		27,273			27,100			79,962			76,020
Provision for loan losses		2,170			2,499			5,466			6,958
Net interest after provision for loan losses		25,103			24,601			74,496			69,062
Non-interest income
Trust fees		2,981			2,927			9,722			8,525
Service charges on deposits		3,509			3,095			9,754			8,798
Other income		1,562			1,753			4,613			4,614
Net securities gains		1,219			235			2,035			2,588
Total non-interest income		9,271			8,010			26,124			24,525
Non-interest expense
Salaries and employee benefits		11,876			11,137			34,349			32,230
Net occupancy		1,336			1,358			4,266			4,190
Equipment		1,897			1,834			5,551			5,471
Other operating		6,864			6,036			20,371			19,230
Merger-related expenses (1)		200			64			217			248
Total non-interest expense		22,173			20,429			64,754			61,369
Income before income taxes		12,201			12,182			35,866			32,218
Provision for income taxes		2,173			2,390			6,716			5,798
Net income	$	10,028		$	9,792		$	29,150		$	26,420
Taxable equivalent net interest income	$	29,642		$	29,510		$	87,001		$	83,180
Per common share data
Net income per common share - basic	$	0.50		$	0.49		$	1.47		$	1.31
Net income per common share - diluted	$	0.50		$	0.49		$	1.47		$	1.31
Dividends declared		0.25			0.24			0.75			0.72
Book value (period end)								17.59			15.89
Tangible book value (period end)								13.44			12.97
Average shares outstanding - basic		20,206,108			19,941,034			19,802,210			20,141,778
Average shares outstanding - diluted		20,256,465			19,962,292			19,854,885			20,160,262
Period end shares outstanding								20,823,606			19,815,098
Profitability ratios (annualized)
Return on average assets		1.10	%		1.15	%		1.12	%		1.06	%
Return on average equity		11.88	%		12.42	%		11.97	%		11.07	%
Yield on earning assets (2)		5.37	%		5.69	%		5.41	%		5.75	%
Cost of interest bearing liabilities		2.12	%		2.16	%		2.04	%		2.41	%
Net interest margin (2)		3.52	%		3.79	%		3.63	%		3.63	%
Efficiency (2)		56.98	%		54.45	%		57.24	%		56.98	%
(1) current merger related expenses are related to the acquisition of Western Ohio Financial Corporation.
(2) the yield on earning assets, the net interest margin and the efficiency ratios are presented on a fully taxable-equivalent(FTE)
and annualized basis. The FTE basis adjusts for the tax benefit of income on certain tax-exempt loans and investments.
WesBanco believes this measure to be the preferred industry measurement of net interest income and provides relevant
comparison between taxable and non-taxable amounts.

WESBANCO, INC.
Consolidated Selected Financial Highlights
September 30, 2004 and 2003 and December 31, 2003									Page 7
(unaudited, dollars in thousands)
					September 30,				December 31,
Asset quality data					2004		2003		2003
Non-performing assets:
Non-accrual loans					$ 7,685		$ 14,220		$ 8,262
Renegotiated loans					-		663		653
Total non-performing loans					7,685		14,883		8,915
Other real estate and repossessed assets					1,986		2,661		2,907
Total non-performing loans and assets					$ 9,671		$ 17,544		$ 11,822
Loans past due 90 days or more					$ 6,262		$ 8,611		$ 7,795
Non-performing assets/total assets					0.25	%	0.51	%	0.34	%
Non-performing assets/total loans, other real
estate and repossessed assets					0.40		0.93		0.61
Non-performing loans/total loans					0.32		0.79		0.46
Non-performing loans and loans past due 90
days or more/total loans					0.58		1.25		0.86
Allowance for Loan Losses
Allowance for loan losses					$ 29,694		$ 26,236		$ 26,235
Net loan charge-offs:
Quarter-to-date					1,814		1,841		2,655
Year -to-date					4,078		5,802		8,457
Annualized net loan charge-offs/average loans					0.27	%	0.42	%	0.46	%
Allowance for loan losses/total loans					1.23		1.39		1.36
Allowance for loan losses/non-performing loans					3.86	X	1.76	X	2.94	X
Allowance for loan losses/non-performing loans and
past due 90 days or more					2.13		1.12		1.57
	Regulatory Guidelines
			Well
Capital ratios	Minimum		Capitalized
Tier I leverage capital	4.00	%	5.00	%	9.96	%	8.61	%	8.76	%
Tier I risk-based capital	4.00		6.00		13.58		13.31		13.31
Total risk-based capital	8.00		10.00		14.72		14.53		14.50