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. |

August 12, 2005

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