Exhibit 31.2

                CERTIFICATION OF THE CHIEF FINANCIAL OFFICER


I, Marsha A. Mongeon, Treasurer and Chief Financial Officer of Union
Bankshares, Inc., certify that:
1.    I have reviewed this quarterly report on Form 10-Q of Union
      Bankshares, Inc.;
2.    Based on my knowledge, this 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 report;
3.    Based on my knowledge, the financial statements, and other financial
      information included in this 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 report;
4.    The registrant's other certifying officer 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 we 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 subsidiary, is made
            known to us by others within those entities, particularly
            during the period in which this report is being prepared;
      b)    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 evaluations; and
      c)    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;
5.    The registrant's other certifying officer 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:
      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
            registrant's ability to record, process, summarize and report
            financial information 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; and
6.    The registrant's other certifying officer and I have indicated in
      this report whether or not there were significant changes in internal
      controls or in other factors that could significantly affect internal
      controls subsequent to the date of our most recent evaluation,
      including any corrective actions with regard to significant deficiencies
      and material weaknesses.


Date: November 12, 2004


/s/ Marsha A. Mongeon
_______________________
Marsha A. Mongeon
Treasurer and Chief Financial Officer


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