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                                  EXHIBIT 31.2

                               CCFNB BANCORP, INC.

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

I, Virginia D. Kocher, certify that:

     1.   I have reviewed this amendment to the quarterly report on Form 10-Q of
          CCFNB Bancorp, Inc. for the quarterly period ended March 31, 2005.

     2.   Based on my knowledge, this amendment to such 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 amended report.

     3.   Based on my knowledge, the financial statements, and other financial
          information included in this amended 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 amended report;

     4.   The registrant's other certifying officers 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) and internal
          control over financial reporting (as defined in Exchange act Rules
          13a-15(f) and 15d-15(f)) for the registrant and have:

     (a) Designed such disclosure controls and procedures, 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) Designed such internal control over financial reporting, or caused such
     internal control over financial reporting to be designed under our
     supervision, to provide reasonable assurance regarding the reliability of
     financial reporting and the preparation of financial statements for
     external purposes in accordance with generally accepted accounting
     principles;

     (c) Evaluated the effectiveness of the registrant's disclosure controls and
     procedures and presented in this amended report and our conclusions about
     the effectiveness of the disclosure controls and procedures as of March 31,
     2005 based on such evaluation; and

     (d) Disclosed in this amended report any change in the registrant's
     internal control over financial reporting that occurred during the
     registrant's most recent fiscal quarter ended March 31, 2005 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 officers 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 the
          registrant's board of directors (or persons performing the equivalent
          functions):

     (c) 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

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

Date: August 12, 2005


                                        /s/ Virginia D. Kocher
                                        ----------------------------------------
                                        Virginia D. Kocher
                                        Principal Financial Officer


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