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                                                                    EXHIBIT 31.2

                  CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
              PURSUANT TO SECTION 302 OF SARBANES OXLEY ACT OF 2002

I, Kevin D. Lemley, Chief Financial Officer, certify that:

1.    I have reviewed this report on Form 10-KSB of Centra Financial Holdings,
      Inc. (the Company);

2.    Based on my knowledge, this annual 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 annual report;

3.    Based on my knowledge, the financial statements, and other financial
      information included in this annual report, fairly present in all material
      respects the financial condition, results of operations and cash flows of
      the Company as of, and for, the periods presented in this annual report;

4.    The Company's other certifying officers and I are responsible for
      establishing and maintaining disclosure controls and procedures (as
      defined in Exchange Act Rules 13a- 15e) for the Company and have:

            a)    designed such disclosure controls and procedures, or caused
                  such disclosre controls and procedures to be designed under
                  our supervision, to ensure that material information relating
                  to the Company, including its consolidated subsidiaries, is
                  made known to us by others within those entities, particularly
                  during the period in which this annual report is being
                  prepared;

            b)    evaluated the effectiveness of the Company's disclosure
                  controls and procedures and presented in this annual 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

            c)    disclosed in this report any change in the Company's internal
                  control over financial reporting that occurred during the
                  Company's most recent fiscal quarter that has materially
                  affected or is reasonably likely to materially affect the
                  Company's internal control over financial reporting;

5.    The Company's other certifying officers and I have disclosed, based on our
      most recent evaluation of internal control over financial reporting to the
      auditors and the audit committee of the Company's board of directors:

            a)    all significant deficiencies and material weaknesses in the
                  design or operation of internal controls over financial
                  reporting which are reasonably likely to adversely affect the
                  Company'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
                  Company's internal controls over financial reporting.


/s/ Kevin D. Lemley
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Kevin D. Lemley
Chief Financial Officer
March 19, 2004


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