DARLINGTON COUNTY BANCSHARES, INC.

                                                                    EXHIBIT 31.2

I, CHARLES A. HARDIN, CERTIFY THAT:

1.       I have reviewed this annual report on Form 10-KSB of Darlington  County
         Bancshares, Inc.;

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 small business  issuer as of, and for, the periods  presented in
         this report;

4.       The small  business  issuer'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 15d-15(e))
         for the small business issuer 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 small
         business issuer, 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  the  small  business  issuer'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 the small business  issuer's
         internal  control over  financial  reporting  that occurred  during the
         small business  issuer's most recent fiscal quarter (the small business
         issuer's  fourth fiscal  quarter in the case of an annual  report) that
         has materially affected,  or is reasonably likely to materially affect,
         the small business issuer's internal control over financial  reporting;
         and

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

         (a) 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 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  employees  who  have a  significant  role in the small  business
         issuer's internal control over financial reporting.


Date:  March 24, 2004                   By:  /s/ Charles A. Hardin
                                             --------------------------------
                                             Charles A. Hardin
                                             Vice President
                                             (Acting as Chief Financial Officer)
                                             Darlington County Bank