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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(s) 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 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 report is being prepared;

               (b) Evaluated the effectiveness of the registrant's disclosure
               controls and procedures and presented in this report our
               conclusions about the effectiveness of the disclosure controls
               and procedures, as of the end of the period 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 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 registrant's board of
          directors:

               (a)All significant deficiencies and material weaknesses in the
               design or operation of internal control over financial reporting
               which are

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               reasonably likely to 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 November 10, 2003                      By:  /s/ Duane J. Costenbader
                                                     Duane J. Costenbader
                                                     Principal Financial Officer

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