| 1)   | I              have reviewed this quarterly report on Form 10-QSB of Horizon              Bancorporation, Inc,.; |
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| 2)   | Based              on my knowledge, this 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; |
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| 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; |
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| 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)) [Intentionally              Omitted] for the registrant and we have: |
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| 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; |
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| b)   | [Intentionally              Omitted]; |
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| c)   | 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 |
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| d)   | disclosed              in this quarterly 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; |
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| 5)   | The              registrant's other certifying officers and I have disclosed, based              on our              most recent evaluation, to the registrant's auditors and the audit              committee of registrant's board of directors (or persons performing              the              equivalent function): |
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| a)   | all              significant deficiencies and material weakness in the design or operation              of internal control over financial reporting which are reasonably likely              to adversely affect the registrant's ability to record, process, summarize              and report financial information; and |
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| 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. |
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