**Exhibit 31.3**

 

**CERTIFICATION AS REQUIRED BY RULE 13a-14(a),**

**AS ADOPTED PURSUANT TO SECTION 302 OF THE**

**SARBANES-OXLEY ACT OF 2002**

 

I, R. Michael Wilbourn, certify that: 

 

1. I have reviewed this report on Form 10-KSB of 1st Independence Financial Group, 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 thestatements 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 respect thefinancial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; 

 

4. The small business issuer’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (asdefined 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 oursupervision, 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 beingprepared; 

 

(b) [omitted in accordance with SECRelease Nos. 33-8238 and 34-47986]; 

 

(c)evaluated the effectiveness of the small business issuer’s disclosure controls and procedures and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of theperiod covered by this report based on such evaluation; and****

 

(d) 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 small business issuer’s fourthfiscal 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 small business issuer’s other certifying officer and I havedisclosed, based on our most recent evaluation of internal control, 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 materialweaknesses in the design or operation of internal control 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 whohave a significant role in the small business issuer’s internal controls over financial reporting. 

 
Date: March 29, 2005 
/s/ R. Michael Wilbourn
R. Michael WilbournExecutive Vice President and Chief Financial Officer(Chief Financial and Accounting Officer)