**Exhibit31.2**

 

**CERTIFICATION**

** **

I,  Berta Olson, certify that:

 

1.               I have reviewedthis Annual Report on Form 10-KSB of Coast Bancorp;

 

2.               Based on myknowledge, this report does not contain any untrue statement of a material factor omit to state a material fact necessary to make the statements made, inlight of the circumstances under which such statements were made, notmisleading with respect to the period covered by this report; 

 

3.               Based on myknowledge, the financial statements, and other financial information includedin this report, fairly present in all material respects the financialcondition, results of operations and cash flows of the small business issuer asof, and for, the periods presented in this report; 

 

4.               The small businessissuer’s other certifying officer(s) and I are responsible for establishing andmaintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) for the small business issuer and have:

 

(a)       Designedsuch disclosure controls and procedure, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure that materialinformation relating to the small business issuer, including its consolidatedsubsidiaries, is made known to us by others within those entities, particularlyduring the period in which this report is being prepared;

 

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

 

(c)       Evaluatedthe effectiveness of the small business issuer’s disclosure controls andprocedures and presented in this report our conclusions about the effectivenessof the disclosure controls and procedures, as of the end of the period coveredby this report based on such evaluation; and

 

(d)       Disclosedin this report any change in the small business issuer’s internal control overfinancial reporting that occurred during small business issuer’s most recentfiscal quarter that has materially affected, or is reasonably likely tomaterially affect, the small business issuer’s internal control over financialreporting; and

 

5.               The small businessissuer’s other certifying officer(s) and I have disclosed, based on our mostrecent evaluation of internal control over financial reporting,  to the small business issuer’s auditors andthe audit committee of small business issuer’s board of directors (or personsperforming the equivalent functions):

 

(a)       Allsignificant deficiencies and material weaknesses in the design or operation ofinternal control over financial reporting which are reasonably likely toadversely affect the small business issuer’s ability to record, process,summarize and report financial information; and

 

(b)      Any fraud, whether or not material, that involves management or other employeeswho have a significant role in the small business issuer’s internal controlsover financial reporting.

 

 
| Date:  March 25, 2004 | /s/ Berta Olson                             |   |
|----------------------------|---------------------------------------------|--------|
|                       | Berta Olson,  Chief Financial  Officer |
|                       | (Principal Financial Officer)               |

 

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