Exhibit 99

To Our Shareholders, Customers, and Friends:

As we move into our second decade as a strong and profitable company, our performance confirms the soundness of our strategy through improved earnings, a strengthened liquidity position, and enhanced capital ratios.

Net income available to common stockholders for the first quarter was $2.1 million up 10.9% from the $1.9 million net income for the first quarter of 2009. Total assets grew 9.4% to $1.3 billion at March 31, 2010 compared to $1.2 billion at March 31, 2009. Centra improved its already strong liquidity position as total loans were virtually flat as compared to March 31, 2009 decreasing 0.4% while deposits grew 11.2% to $1.1 billion at March 31, 2010.

Despite external headwinds, we took important steps to position the company for success now and in the future. Our $20 million stock offering, which took place in the first quarter 2010, was overcommitted in less than a week where upon we elected the overallotment of 20% permitted by the SEC to meet the additional demand. This additional capital from the equity from the equity raise and our first quarter earnings strengthened the company’s risk based capital position to 14.7%, further distancing our position above the 10.0% requirement to be considered a Well Capitalized bank. This capital position bolsters the bank during the current credit cycle and gives us the flexibility to take advantage of opportunities as we emerge from the current economic downturn.

Since our inception, we have always considered maximizing the bottom line as the primary long term return to our shareholders while providing a safe and sound investment.

We are keenly aware of the importance of dividends to our shareholders and continue to maintain our cash dividend while many of our peers have had to reduce or eliminate these quarterly distributions. The past decade has been difficult for investors. In fact, the last 10 years is the first time since the 1930s when there was a negative return on stocks.

As of March 31, 2010,

•		a $1,000 investment in the S&P 500 made in 2000 is worth $806 today
•		a $1,000 investment in the Dow Jones Industrial Average made in 2000 is worth $956 today
•		a $1,000 investment in a Ten Year Treasury Bill made in 2000 is worth $1,891 today
•		a $1,000 investment in Centra made in 2000 is worth $3,305 today

Financial institutions who have a strong brand of customer preference and exceed their needs and expectations everyday will survive and prosper. Our customers have rewarded us with their loyalty as our brand has strengthened giving us unprecedented opportunities on the tailwind of an economic recovery. Today, Centra rests on a solid foundation, poised to take advantage when market conditions dictate, to sustain increased growth — the right way — and profitably.

Douglas J. Leech
Chairman, CEO and Founder

dleech@centrabank.com

Centra Financial Holdings, Inc., and Subsidiaries

Consolidated Balance Sheet

(Dollars in Thousands, except Per Share Data)		March 31,				March 31,
(Unaudited)		2010				2009
ASSETS
Cash and due from banks		$	5,225			$	24,926
Interest-bearing deposits in other banks			2,975				1,167
Federal funds sold			121,451				—
Total cash and cash equivalents			129,651				26,093
Available-for-sale securities, at fair value (amortized cost of $124,445 at March 31, 2010 and $119,860) on March 31, 2009			126,601				121,810
Other investment securities, at cost			2,922				2,922
Loans, net of unearned income			1,017,847				1,022,183
Allowance for loan losses			(17,935	)			(16,202	)
Net loans			999,912				1,005,981
Premises and equipment			21,996				21,809
Loans held for sale			2,877				3,322
Goodwill and other intangible assets			15,372				16,112
Other assets			37,866				24,413
Total assets		$	1,337,197			$	1,222,462
LIABILITIES
Deposits
Non-interest bearing		$	153,644			$	134,279
Interest-bearing			987,790				892,138
Total deposits			1,141,434				1,026,417
Short-term borrowings			33,939				66,487
Long-term debt			20,000				20,000
Other liabilities			11,994				11,292
Total liabilities			1,207,367				1,124,196
STOCKHOLDERS’ EQUITY
Preferred stock, $1 par value, 1,000,000 authorized, none issued			—				—
Preferred stock, Fixed Rate Cumulative Perpetual Preferred Stock,
Series B, $1,000 liquidation preference; authorized and issued none and 751 and outstanding March 31, 2010 and 2009 respectively			—				1
Common stock, $1 par value, 50,000,000 authorized, 8,397,782 and 6,887,543 issued and outstanding on March 31, 2010 and 2009, respectively			8,398				6,888
Additional paid-in capital			119,318				95,238
Retained earnings (deficit)			795				(5,031	)
Accumulated other comprehensive income			1,319				1,170
Total equity			129,830				98,266
Total liabilities and stockholders’ equity		$	1,337,197			$	1,222,462

Centra Financial Holdings, Inc., and Subsidiaries

Consolidated Statement of Income

(Dollars in Thousands, except Per Share Data)		Quarter Ended March 31,
(Unaudited)		2010				2009
INTEREST INCOME
Loans, including fees		$	14,552			$	15,198
Loans held for sale			20				50
Securities available-for-sale			831				1,064
Interest-bearing bank balances			1				—
Federal funds sold			39				3
Total interest income			15,443				16,315
INTEREST EXPENSE
Deposits			4,410				5,561
Short-term borrowed funds			44				105
Long-term debt			111				170
Total interest expense			4,565				5,836
Net interest income			10,878				10,479
Provision for credit losses			755				404
Net interest income after provision for credit losses			10,123				10,075
OTHER INCOME
Service charges on deposit accounts			855				837
Other service charges and fees			666				570
Secondary market income			184				294
Security losses			—				(336	)
Other			223				175
Total other income			1,928				1,540
OTHER EXPENSE
Salary and employee benefits			4,586				3,593
Occupancy expense			863				625
Equipment expense			543				581
Advertising			384				305
Professional fees			246				250
Data processing			648				624
Other outside services			213				249
Regulatory assessment			398				189
Other			1,115				1,058
Total other expense			8,996				7,474
Net income before income tax			3,055				4,141
INCOME TAX EXPENSE			1,003				1,370
NET INCOME			2,052				2,771
Dividends and accretion on preferred stock and warrants (TARP)			—				920
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS		$	2,052			$	1,851
Basic earnings per share		$	0.27			$	0.27
Diluted earnings per share		$	0.25			$	0.26
Weighted average shares outstanding — basic			7,694,931				6,848,841
Weighted average shares outstanding — diluted			8,148,610				7,242,410
Cash dividends declared per share		$	0.05			$	0.05

ABOUT CENTRA
TODAY

CORPORATE INFORMATION

Centra Headquarters
990 Elmer Prince Drive
Morgantown, WV 26505

Independent Registered Public Accountants
Ernst & Young LLP
Charleston, West Virginia

Stockholders of Record
1,959 as of March 31, 2010

Registrar and Transfer Agent
If you have any questions concerning transfer
procedures or other stock account matters, please
contact our transfer agent at the following address

Registrar & Transfer Company
PO Box 664
Cranford, NJ 07016
800/368-5948

Shareholder Relations
Timothy P. Saab
Corporate Secretary
Centra Financial Holdings,
Inc. 990 Elmer Prince Drive
Morgantown, WV 26505
304/581-6002
tsaab@centrabank.com

Centra Annual Report on Form 10-K

The company’s annual report was filed with the U.S. Securities and Exchange commission on Form 10K. For current and prior years reports, access the SEC website at www.SEC.gov.

BOARD OF DIRECTORS

MORGANTOWN, WV

Julian E. Bailes, M.D.
Chairman, WVU Department of Neurosurgery

Laurence DeLynn
Retail Consultant

Arthur Gabriel*
President, Gabriel Brothers, Inc.

Douglas J. Leech*
Chairman & CEO, Centra Financial Holdings, Inc. & Centra Bank

Robert E. Lynch, Jr.
Vice-President, Davis-Lynch Glass Co.

Paul F. Malone, M.D.
Physician, President, Morgantown ENT Clinic

Mark R. Nesselroad*
Chief Executive Officer, Glenmark Holding LLC

Parry Petroplus*
President, Petroplus & Associates

Milan Puskar*
Founder, Mylan Labs, Inc.

Paul T. Swanson*
Chairman, CWS Inc. and Swanson Plating

Rita D. Tanner
Realtor, Old Colony Realtors

Bernard G. Westfall*
Retired President & CEO, WV United Health Systems

MARTINSBURG, WV

Manuel P. Arvon
Superintendent, Berkeley County School System

Kenneth L. Banks, DDS
General Dentistry

James W. Dailey, II*
Chairman, W. Harley Miller Contractors; Vice-Chairman, Farmers & Mechanics Mutual Insurance Co.

Deborah J. Dhayer
Owner, Eddies Tire Service

Terry W. Hess
Owner, JayDee’s Family Fun Center

Henry Kayes
President/CEO-Martinsburg, Chief
Operating Officer, Centra Bank, Inc.

Michael B. Keller
Attorney, Bowles Rice McDavid Graff & Love

Douglas J. Leech*
Chairman, Centra Financial Holdings, Inc.

Robert A. McMillan*
President, Jefferson Distributing Co.

Jeffrey S. Petrucci
President, Heiston Supply Inc.

D. Scott Roach
President, R.M. Roach & Sons, Inc.

Robert S. Strauch, M.D.
Surgeon

FAYETTE COUNTY, PA

David M. Callahan
Owner, Clar-Mac Sales

C. Christopher Cluss*
President & CEO, Cluss Lumber

James T. Davis
Attorney & Partner, Davis & Davis

Nancy M. Decker
President, The Laurel Business Institute

Peter Gabriel, M.D.
Physician

Dr. Mallard T. George
George’s Dental Associates

William B. Kania, CPA
William B. Kania & Associates

Douglas J. Leech*
Chairman, Centra Financial Holdings, Inc.

William R. Smith, CPA
Smith, Lewis, Chess and Company

Gerald R. Solomon
Judge, Fayette County Court of Common Pleas

HAGERSTOWN, MD

Howard B. Bowen
President, Ewing Oil Corporation, Inc.

Robert S. Cochran
President, Robert Cochran Insurance & Financial Services, LLC

James E. Cremins, M.D.
Physician, Digestive Disorders Consultants

SuZanne Glocker
Broker/Owner, The Glocker Group Realty Results

John P. Itell, CPA, CVA
Managing Partner, Albright Crumbacker Moul & Itell

Douglas J. Leech*
Chairman, Centra Financial Holdings, Inc.

Michael A. Murray*
President, Direct Mail Processors, Inc.

Leroy E. Myers Jr.
President, Myers Building Systems, Inc.

Richard W. Phoebus Sr.
President,Hagerstown/Washington County Industrial Foundation

Curtis E. Spicher
President, Spicher’s Appliances, Inc.