EXHIBIT 31.2

              CERTIFICATION PURSUANT TO 15 U.S. C. 78m(a) or 78o(d)
                 (SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002)

              WRITTEN CERTIFICATION OF THE CHIEF FINANCIAL OFFICER


     Solely for the purposes of complying with Exchange Act Rules adopted by the
Securities and Exchange  Commission,  I, the undersigned Chief Financial Officer
of Century Pacific Financial Corporation (the "Company"),  hereby certify, based
on my knowledge,

     1.   I have reviewed  this annual report on Form 10-KSB of Century  Pacific
Financial Corporation.

     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  officers and I are responsible for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

          a)   designed such  disclosure  controls and procedures to ensure that
     material information relating to the registrant, including its consolidated
     subsidiaries,  is  made  known  to  us by  others  within  those  entitles,
     particularly during the period in which this report is being prepared;

          b)   evaluated  the  effectiveness  of  the  registrant's   disclosure
     controls  and  procedures  as of a date  within 90 days prior to the filing
     date of this report (the "Evaluation Date"); and

          c)   presented in this report our conclusions  about the effectiveness
     of the disclosure controls and procedures based on our evaluation as of the
     Evaluation Date;

     5.   The registrant's other certifying officers and I have disclosed, based
on our most  recent  evaluation,  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  in the  design  or  operation  of
     internal controls which could adversely affect the registrant's  ability to
     record, process,  summarize,  and report financial data and have identified
     for the registrant's auditors any material weaknesses in internal controls;
     and

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          b)   any fraud,  whether or not material,  that involves management or
     other employees who have a significant  role in the  registrant's  internal
     controls; and

     6.   The  registrant's  other  certifying  officers and I have indicated in
this report whether there were  significant  changes in internal  controls or in
other factors that could  significantly  affect internal controls  subsequent to
the date of our most recent  evaluation,  including any corrective  actions with
regard to significant deficiencies and material weaknesses.

Date:  February 10, 2004

                                                /s/ David Hadley
                                                --------------------------------
                                                David Hadley
                                                Chief Financial Officer








































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