Exhibit
      31.2


Certification
      of Principal Financial Officer








I,
      Kathleen M. Jepson, certify that:





|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:
|-- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------




|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) | [Intentionally
              Omitted];
|-- | --------------------------------------




|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
|-- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------




|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):
|-- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------




|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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Date:
      November 14, 2007





/s/
      Kathleen M. Jepson


Vice
      President and Chief Financial Officer