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<B><P ALIGN="CENTER">UNITED STATES</P>


<P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION</P>


<P ALIGN="CENTER">WASHINGTON, DC  20549</P>


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<FONT SIZE=2><P ALIGN="CENTER"><HR WIDTH="20%" SIZE=2></P>


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<B><FONT SIZE=4><P ALIGN="CENTER">FORM 8-K</P>


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<FONT SIZE=4><P ALIGN="CENTER">CURRENT REPORT</P>


</FONT><P ALIGN="CENTER">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</P>


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<P ALIGN="CENTER">&nbsp;</P>


</B><FONT SIZE=2><P ALIGN="CENTER">Date of report (Date of earliest event reported)</FONT><B> February 11, 2005</P>


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<B><P ALIGN="CENTER">Potomac Bancshares, Inc.</P>


</B><FONT SIZE=2><P ALIGN="CENTER">(Exact Name of Registrant as Specified in Charter)</P>


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<B><P ALIGN="CENTER">West Virginia</P>


</B><FONT SIZE=2><P ALIGN="CENTER">(State of Other Jurisdiction of Incorporation)</P>


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<B><P ALIGN="CENTER">0-24958</P>


</B><FONT SIZE=2><P ALIGN="CENTER">(Commission File Number)</P>


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<B><P ALIGN="CENTER">55-0732247</P>


</B><FONT SIZE=2><P ALIGN="CENTER">(IRS EmployerIdentification No.)</P>


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<B><P ALIGN="CENTER">111 E. Washington St., PO Box 906, Charles Town WV  25414-0906</P>


</B><FONT SIZE=2><P ALIGN="CENTER">(Address of Principal Executive Offices)  (Zip Code)</P>


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<B><P ALIGN="CENTER">304-725-8431</P>


</B><FONT SIZE=2><P ALIGN="CENTER">Registrant's telephone number, including area code</P>


<U><P ALIGN="CENTER"></P>


</U></FONT><B><P ALIGN="CENTER">N/A</P>


</B><FONT SIZE=2><P ALIGN="CENTER">(Former Name or Former Address, if Changed Since Last Report)</P>


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<P>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:</P>








<UL>


<LI>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</LI></UL>











<UL>


<LI>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</LI></UL>











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<LI>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</LI></UL>











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<LI>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</LI></UL>





<P ALIGN="CENTER">Section 8--Other Events</P>





<P>Item 8.01.&#9;Other Events.</P>





<P>For Immediate Release February 11, 2005</P>





<P>The Board of Directors of Potomac Bancshares, Inc. has approved a 100% stock dividend to all shareholders of record March 1, 2005.  If a shareholder currently owns 100 shares of Potomac Bancshares stock, they will receive an additional 100 shares of common stock giving them a total of 200 shares.  This stock dividend is payable on March 15, 2005.</P>





<P>Potomac Bancshares, Inc. is a public company trading under the ticker symbol PTBS.  PTBS is the one bank holding company for Bank of Charles Town (BCT) located in Charles Town, West Virginia.</P>


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<P ALIGN="CENTER">Section 9 -- Financial Statements and Exhibits</P>





<P>Item 9.01.&#9;Financial Statements and Exhibits.</P>





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<LI>Financial Statements of Businesses Acquired -- N/A</LI>


<I><LI>Pro Forma</I> Financial Information -- None</LI>


<LI>Exhibits -- None</LI></OL>


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<B><P ALIGN="CENTER">SIGNATURES</P>


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<P>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.</P>


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<P>Potomac Bancshares, Inc.</P>





<P>&nbsp;</P>


<U><P>/s/Robert F. Baronner, Jr.&#9;</P>


</U><P>Robert F. Baronner, Jr., President and CEO</P>


<P>February 11, 2005</P></DIR>


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{"company-data": {"conformed-name": "POTOMAC BANCSHARES INC", "cik": "0000925173", "assigned-sic": "6022", "irs-number": "550732247", "state-of-incorporation": "WV", "fiscal-year-end": "0331"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-24958", "film-number": "05598483"}, "business-address": {"street1": "111 EAST WASHINGTON ST", "city": "CHARLES TOWN", "state": "WV", "zip": "25414", "phone": "3047258431"}, "mail-address": {"street1": "P O BOX 906", "city": "CHARLES TOWN", "state": "WV", "zip": "25414"}}
SECURITIES AND EXCHANGE COMMISSION
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
Date of report (Date of earliest event reported)
February 11, 2005
Potomac Bancshares, Inc.
(Exact Name of Registrant as Specified in Charter)
West Virginia
(State of Other Jurisdiction of Incorporation)
0-24958
(Commission File Number)
55-0732247
(IRS EmployerIdentification No.)
111 E. Washington St., PO Box 906, Charles Town WV  25414-0906
(Address of Principal Executive Offices)  (Zip Code)
304-725-8431
Registrant's telephone number, including area code
N/A
(Former Name or Former Address, if Changed Since Last Report)
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:
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Section 8--Other Events
Item 8.01.	Other Events.
For Immediate Release February 11, 2005
The Board of Directors of Potomac Bancshares, Inc. has approved a 100% stock dividend to all shareholders of record March 1, 2005.  If a shareholder currently owns 100 shares of Potomac Bancshares stock, they will receive an additional 100 shares of common stock giving them a total of 200 shares.  This stock dividend is payable on March 15, 2005.
Potomac Bancshares, Inc. is a public company trading under the ticker symbol PTBS.  PTBS is the one bank holding company for Bank of Charles Town (BCT) located in Charles Town, West Virginia.
Section 9 -- Financial Statements and Exhibits
Item 9.01.	Financial Statements and Exhibits.
Financial Statements of Businesses Acquired -- N/A
Pro Forma
Financial Information -- None
Exhibits -- None
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.
Potomac Bancshares, Inc.
/s/Robert F. Baronner, Jr.
Robert F. Baronner, Jr., President and CEO
February 11, 2005