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                                  EXHIBIT 31.2

                               CCFNB BANCORP, INC.

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

I, Virginia D. Kocher, certify that:

7.    I have reviewed this amendment to our annual report on Form 10-K of CCFNB
      Bancorp, Inc. for the year ended December 31, 2004.

8.    Based on my knowledge, this amendment to our 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 amendment to the annual report.

9.    Based on my knowledge, the financial statements, and other financial
      information included in this annual report, as amended, 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
      annual report, as amended;

10.   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-14 and 15d-14) for the registrant and
      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 annual report, as
      amended, is being prepared;

      (b) evaluated the effectiveness of the registrant's disclosure controls
      and procedures as of December 31, 2004 prior to the filing date of this
      annual report, as amended; and

      (c) presented in this amendment to such annual report our conclusions
      about the effectiveness of the disclosure controls and procedures based on
      our evaluation as of December 31, 2004;

11.   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 functions):

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

12.   The registrant's other certifying officers and I have indicated in this
      amendment to such annual report whether there were significant changes in
      internal controls or in other factors that could significantly affect
      internal controls subsequent to December 31, 2004, including any
      corrective actions with regard to significant deficiencies and material
      weaknesses.

Date: August 8, 2005                    /s/ Virginia D. Kocher
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                                        Virginia D. Kocher
                                        Treasurer (Principal Financial Officer)

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