<PAGE>

EXHIBIT 31.2

                                  CERTIFICATION

I, Kevin A. Schmidt, 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 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, or caused such
      disclosure controls and procedures to be designed under our supervision,
      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) intentionally omitted;

            (c) evaluated the effectiveness of the registrant's disclosure
      controls and procedures and presented in this quarterly report our
      conclusions about the effectiveness of the disclosure controls and
      procedures, as of the end of the period covered by this quarterly report
      based upon 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 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 officer 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 the registrant'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
      reasonably likely to

                                       24

<PAGE>

      adversely affect the registrant'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 registrant's internal
      control over financial reporting.

Date: May 13, 2005                             By: /s/ Kevin A. Schmidt
                                                   --------------------------
                                                   Kevin A. Schmidt
                                                   Principal Financial Officer

                                       25