Division of Banking commissioner Sally Cline said state-chartered and national banks headquartered in West Virginia accounted for just 12 percent of the 3,200 foreclosures last year.

Berkeley and Jefferson Counties accounted for more than half of the statewide increase.

Nineteen counties reported 14 or fewer foreclosures for the year. Fifteen counties saw a drop in the number of reported foreclosures.

During a three year period, 2007-2008-2009, foreclosures totaled:

Braxton 30

Calhoun 5

Clay 11

Gilmer 6

Ritchie 31

Roane 43

Wirt 20