Exhibit 31.2


                                  CERTIFICATION

I, Lee-Ann Cimino, certify that:

1.       I have  reviewed  this  quarterly  report  on Form  10-Q of  North  Bay
         Bancorp;

2.       Based  on my  knowledge,  this  report  does  not  contain  any  untrue
         statement of a material fact or omit to state a material fact necessary
         to make the statements made, in light of the circumstances  under which
         such  statements  were made, not misleading  with respect to the period
         covered by this report;

3.       Based on my knowledge,  the financial  statements,  and other financial
         information  included in this  report,  fairly  present in all material
         respects the financial condition,  results of operations and cash flows
         of the registrant as of, and for, the periods presented in this report;

4.       The registrant's other certifying  officer(s) and I are responsible for
         establishing  and  maintaining  disclosure  controls and procedures (as
         defined  in  Exchange  Act  Rules  13a-15(e)  and  15d-15(e))  for  the
         registrant and have:

         (a)      Designed such  disclosure  controls and  procedure,  or caused
                  such  disclosure  controls and procedures to be designed under
                  our supervision,  to ensure that material information relating
                  to the registrant, including its consolidated subsidiaries, is
                  made known to us by others within those entities, particularly
                  during the period in which this report is being prepared;

         (b)      [Paragraph reserved pursuant to SEC Release 33-8238]

         (c)      Evaluated the  effectiveness  of the  registrant's  disclosure
                  controls  and  procedures  and  presented  in this  report our
                  conclusions about the effectiveness of the disclosure controls
                  and  procedures,  as of the end of the period  covered by this
                  report based on such evaluation; and

         (d)      Disclosed  in  this  report  any  change  in the  registrant's
                  internal control over financial reporting that occurred during
                  registrant's  most recent fiscal  quarter that has  materially
                  affected,  or is reasonably likely to materially  affect,  the
                  registrant's internal control over financial reporting; and

5.       The  registrant's  other  certifying  officer(s) and I have  disclosed,
         based on our most recent  evaluation of internal control over financial
         reporting,  to the  registrant's  auditors  and the audit  committee of
         registrant's  board of directors (or persons  performing the equivalent
         functions):

         (a)      All significant  deficiencies  and material  weaknesses in the
                  design  or  operation  of  internal   control  over  financial
                  reporting which are reasonably  likely to adversely affect the
                  registrant's ability to record, process,  summarize and report
                  financial information; and

         (b)      Any fraud,  whether or not material,  that involves management
                  or  other  employees  who  have  a  significant  role  in  the
                  registrant's internal controls over financial reporting.


Date: November 10, 2003                  /s/ Lee-Ann Cimino
                                         ------------------------------------
                                         Lee-Ann Cimino
                                         Senior Vice President and Chief
                                         Financial Officer
                                         Principal Financial Officer

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