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EXHIBIT 31.2



CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Tom Anderson, certify that:

|1. | I have reviewed this quarterly report on Form 10-Q of PremierWest Bancorp;                                                                                                                                                                                                                                                                                
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|2. | Based on my knowledge, this quarterly 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 quarterly report;                            
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|3. | Based on my knowledge, the financial statements, and other financial information included in this quarterly 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 quarterly report;                                               
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|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 15(d)-(e)) for the registrant and
internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
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|   | a)                                                                                                                                                                                                                                                                                                                                                        
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|   | b)                                                                                                                                                                                                                                                                                                                                                        
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|   | c)                                                                                                                                                                                                                                                                                                                                                        
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|   | d)                                                                                                                                                                                                                                                                                                                                                        
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|5. | The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control77 over financial reporting, to the registrant's auditors and the audit committee of the registrant's
board of directors (or persons performing the equivalent functions):                                                      
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|   | a)                                                                                                                                                                                                                                                                                                                                                        
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|   | b)                                                                                                                                                                                                                                                                                                                                                        
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|Date: |  | October 25, 2005 |  | /s/ Tom Anderson                                 
|----- |  | ---------------- |  | -------------------------------------------------
|      |  |                  |  | Tom Anderson                                     
|      |  |                  |  | Senior Vice President and Chief Financial Officer

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