Exhibit 31.2

CERTIFICATION OF THE CHIEF FINANCIAL OFFICER PURSUANT TO RULE 13a-14(a) AND RULE 15d-14(a) OF THESECURITIES EXCHANGE ACT OF 1934, AS AMENDED

I, Kim S. Destro, certify that:

| 1. | I have reviewed this quarterly report on Form 10-QSB of    Great Lakes Bancorp, Inc. (the "Company");   2.
Based on my knowledge, this quarterly 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 quarterly report;    3.
Based on my knowledge, the consolidated financial    statements, and other financial information included in this quarterly    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 quarterly report;    4.
The small business issuer'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    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 subsidiary, is made known    to us by others within those entities, particularly during the period in    which this quarterly report is being prepared;    (b)
evaluated the effectiveness of the small    business issuer's disclosure controls and procedures 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 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 the 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 reasonable 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.
May 11, 2005

 

/s/ Kim S. Destro                                                            Kim S. DestroExecutive Vice President & Chief Financial Officer |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|