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                                                                    EXHIBIT 31.1

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

     I, Janine Mulhall, certify that:

          1. I have reviewed this annual report on Form 10-K of Harris Preferred
     Capital 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 Harris Preferred Capital Corporation as of, and for, the periods
     presented in this report;

          4. Harris Preferred Capital Corporation's other certifying officer 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
     Harris Preferred Capital Corporation and we 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 Harris Preferred Capital
        Corporation, 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) evaluated the effectiveness of Harris Preferred Capital
        Corporation'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

             c) disclosed in this report any change in Harris Preferred Capital
        Corporation's internal control over financial reporting that occurred
        during Harris Preferred Capital Corporation's most recent fiscal quarter
        that has materially affected, or is reasonably likely to materially
        affect Harris Preferred Capital Corporation's internal control over
        financial reporting; and

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

             a) all significant deficiencies and material weaknesses in the
        design or operation of internal controls over financial reporting which
        are reasonably likely to adversely affect Harris Preferred Capital
        Corporation'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 Harris Preferred Capital
        Corporation's internal controls over financial reporting.

Date: March 24, 2004
                                          /s/ Janine Mulhall
                                          --------------------------------------
                                          Chief Financial Officer

A signed original of this written statement required by Section 302, or other
documentation authenticating, acknowledging, or otherwise adopting the signature
that appears in typed form within the electronic version of this written
statement required by Section 302, has been provided to Harris Preferred Capital
Corporation and will be retained by Harris Preferred Capital Corporation and
furnished to the Securities and Exchange Commission or its staff upon request.