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EXHIBIT 31.2

                                  CERTIFICATION

I, Duane J. Costenbader, Principal Financial Officer, certify that:

1)       I have reviewed this quarterly report on Form 10-Q of Neffs Bancorp,
         Inc.

2)       Based on my knowledge, the 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 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 registrant's other certifying officer 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 registrant and
         we have:

                  a.       designed such disclosure controls and procedures to
                           ensure that material information relating to the
                           registrant, including its consolidated subsidiaries,
                           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 registrant's
                           disclosure controls and procedures as of June 30,
                           2003 (the "Evaluation Date"); and

                  c.       presented in this quarterly report our conclusions
                           about the effectiveness of the disclosure controls
                           and procedures based on our evaluation as of the
                           Evaluation Date.

5)       The registrant's other certifying officer and I have disclosed, based
         on our most recent evaluation, the registrant's auditors and the audit
         committee of registrant's board of directors (or persons performing the
         equivalent function):

                  a.       all significant deficiencies in the design or
                           operation of the internal controls which could
                           adversely affect the registrant's ability to record,
                           process, summarize and report financial data and have
                           identified for the registrant's auditors any material
                           weaknesses in internal controls; 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.

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6)       The registrant's other certifying officer and I have indicated in this
         quarterly report whether or not there were significant changes in
         internal controls or in other factors that could significantly affect
         the internal controls during the quarter ended June 30, 2003, including
         any corrective actions with regard to significant deficiencies and
         material weaknesses.

Date: August 11, 2003                      By: /s/ Duane J. Costenbader
                                                   Duane J. Costenbader
                                                   Principal Financial Officer

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