Exhibit 31.2

                    Certification of Chief Financial Officer
            Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Eric E. Stickels, Executive Vice President and Chief Financial Officer,
certify that:

(1)   I have reviewed this quarterly report on Form 10-Q of Oneida Financial
      Corp;

(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;

(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 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)) 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)    designed such internal controls over financial reporting, or
               caused such internal controls 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; and

         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 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 officers and I have disclosed, based on
         our most recent evaluation of internal control over financial
         reporting, to the registrant's auditors and the audit committee of
         registrant's board of directors (or persons performing the equivalent
         functions):

               a)     all significant  deficiencies  and material  weaknesses in
                      the design or operation of internal  controls  which could
                      adversely  affect  the  registrant's  ability  to  record,
                      process,  summarize and report  financial  information and
                      have identified for the registrant's auditors any material
                      weaknesses in internal controls; and

               b)     any  fraud,   whether  or  not  material,   that  involves
                      management or other employees who have a significant  role
                      in  the  registrant's  internal  controls  over  financial
                      reporting.

August 14, 2008             /s/ Eric E. Stickels
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Date                        Executive Vice President and Chief Financial Officer