| 1) | I      have reviewed this quarterly report on Form 10-Q 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)) and internal      control over financial reporting (as defined in Exchange Act Rules      13a-15(f) and 15d-15(f)) 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) | designed      such internal control over financial reporting, or caused such internal      control over financial reporting to be designed under our supervision, to      provide reasonable assurance regarding the reliability of financial      reporting and the preparation of financial statements for external      purposes in accordance with generally accepted accounting      principles; |
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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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| /s/ Kathleen M. Jepson                                |
|-------------------------------------------------------|
| Senior      Vice President and Chief FinancialOfficer |

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