UNITED STATES
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

CENTRA FINANCIAL HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

West Virginia		000-49699		55-0770610
(State or other		(Commission File Number)		(I.R.S. Employer
jurisdiction of				Identification No.)
incorporation)

990 Elmer Prince Drive
P.O. Box 656
Morgantown, West Virginia 26507-0656

(Address of principal executive offices, zip code)

(304) 581-6000

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o		Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o		Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

Item 9.01 Exhibits

(c)

Exhibits.

     99 – Third Quarter 2009 Quarterly Report

Item 2.02 Results of Operations and Financial Condition

     On November 2, 2009, Centra Financial Holdings, Inc. reported its earnings for the nine and three months ended September 30, 2009, as described in the Third Quarter 2009 Quarterly Report attached as Exhibit 99 and incorporated herein by reference.

Forward-Looking Statements:

The Third Quarter 2009 Quarterly Report contains statements that refer to future expectations, contains projections of the results of operations or of financial condition, or states other information that is “forward-looking.” “Forward-looking” statements are easily identified by the use of words such as “could,” “anticipate,” “estimate,” “believe,” and similar words that refer to a future outlook. There is always a degree of uncertainty associated with “forward-looking” statements. Centra’s management believes that the expectations reflected in such statements are based upon reasonable assumptions and on the facts and circumstances existing at the time of these disclosures. Actual results could differ significantly from those anticipated.

Many factors could cause Centra’s actual results to differ materially from the results contemplated by the forward-looking statements. Some factors, which could negatively affect the results, include:

	•		General economic conditions, either nationally or within Centra’s markets, could be less favorable than expected;
	•		Changes in market interest rates could affect interest margins and profitability;
	•		Competitive pressures could be greater than anticipated;
	•		Legal or accounting changes could affect Centra’s results; and
	•		Adverse changes could occur in the securities and investments markets.

Signatures

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