Exhibit 31.2

I, William W. Ranson certify that:



| | 1. | I have reviewed this annual report on Form 10-KSB of the Company;
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| | 2. | Based on my knowledge, this annual 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 annual report;
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| | 3. | Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the financial condition,
results of operations and cash flows of the Bank as of, and for, the periods presented in this annual report;
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| | 4. | The Companys other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and
15d-14) for the Company and have;
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| | a. | designed such disclosure controls and procedures to ensure that material information relating to the Company is made known to us by others within those entities, particularly during
the period in which this annual report is being prepared;
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| | b. | evaluated the effectiveness of the Companys disclosure controls and procedures as of a date within 90 days prior to the filing date of this annual report (the Evaluation
Date); and
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| | c. | presented in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;
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| | 5. | The Companys other certifying officers and I have disclosed, based on our most recent evaluation, to the Companys auditors and the audit committee of the Companys
board of directors (or persons performing the equivalent functions);
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| | a. | all significant deficiencies in the design or operation of internal controls which could adversely affect the Companys ability to record, process, summarize, and report
financial data, and I have identified for the Companys auditors any material weaknesses in internal controls; and
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| | b. | any fraud, whether or not material, that involves management or other employees who have a significant role in the Companys internal controls; and
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| | 6. | The Companys other certifying officers and I have indicated in this annual report whether there were significant changes in internal controls or in other factors that could
significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
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|                     |  |                                      
|-------------------- |  | -------------------------------------
|Date: March 21, 2007 |  | /s/ William W. Ranson                
|                     |  | William W. Ranson                    
|                     |  | Treasurer and Chief Financial Officer