|EXHIBIT 31.2


Certification of Chief Financial
Officer Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 2002


I,
Joanne Forsberg, certify that:


1.
I have reviewed this report on Form 10-Q of Oregon Pacific Bancorp;


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-15(e) and 15d-15(e)) for the registrant and we have:


a)
designed such disclosure  controls and procedures,  or caused such disclosure controls
and procedures to  be  designated  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)
evaluated the  effectiveness  of the  registrant'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 registrant's  internal control over financial
reporting that  occurred  during the  registrant's  most recent fiscal  quarter (the
registrant's  fourth  fiscal  quarter in the case of an  annual  report) 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 function):


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 the  registrant'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 registrant's internal controls over financial reporting.


Date: May 13, 2004


/s/ JOANNE FORSBERG


Joanne Forsberg, Chief Financial
Officer and Secretary


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