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Exhibit 31.2

        CERTIFICATION OF THE CHIEF FINANCIAL OFFICER PURSUANT TO SECTION
                       302 OF SARBANES-OXLEY ACT OF 2002

I, Marsha A. Mongeon, certify that:

1.    I have reviewed this quarterly report on Form 10-Q of Union Bankshares,
      Inc.;

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 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 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 quarterly report is being prepared;

      b)    evaluated the effectiveness of the registrant's disclosure controls
            and procedures and presented in this quarterly report our
            conclusions about the effectiveness of the disclosure controls and
            procedures as of the end of the period covered by this quarterly
            report based on such evaluations; and

      c)    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; and

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 data; 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
      quarterly 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 14, 2006


/s/ Marsha A. Mongeon
---------------------
Marsha A. Mongeon
Treasurer and Chief Financial Officer
(Principal Financial Officer)