Exhibit 31.2

                CERTIFICATION OF THE CHIEF FINANCIAL OFFICER


I, Marsha A. Mongeon, Treasurer and Chief Financial Officer of Union
Bankshares, Inc., certify that:
1.    I have reviewed this annual report on Form 10-K of Union Bankshares,
      Inc.;

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;

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 registrant as of, and for, the periods presented in
      this annual 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 under our
            supervision to ensure that material information relating to the
            registrant, including its consolidated subsidiary, is made
            known to us by others within those entities, particularly
            during the period in which this annual report is being
            prepared;

      b)    evaluated the effectiveness of the registrant's disclosure
            controls and procedures; and presented in this annual report
            our conclusions about the effectiveness of the disclosure
            controls and procedures as of the end of the period covered by
            this annual report based on such evaluations; 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 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 registrant's board of directors:

      a)    all significant deficiencies and material weaknesses in the
            design or operation of internal controls over financial
            reporting which could adversely affect the registrant's ability
            to record, process, summarize and report financial data; 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; and

6.    The registrant's other certifying officers and I have indicated in
      this annual report whether or not 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.


Date: March 30, 2004


/s/ Marsha A. Mongeon
-----------------------------
[Signature]
Treasurer and Chief Financial Officer


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