Exhibit 31.2

                    PURSUANT TO RULE 13a-14(a) AND 15d-14(a)
                   OF THE SECURITIES AND EXCHANGE ACT OF 1934
                  CERTIFICATION OF THE CHIEF FINANCIAL OFFICER

I, H. Stewart Fitz Gibbon III, certify that:

1.       I have  reviewed  this  quarterly  report on Form 10-Q of Wayne Savings
         Bancshares, 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  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  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 evaluation; 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 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 the
         registrant's  board of directors (or persons  performing the equivalent
         functions):

         a)       all  significant  deficiencies  and  material  weakness in the
                  design  or  operation  of  internal   control  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 control over financial reporting.



February 10, 2006              /s/H. Stewart Fitz Gibbon III
-----------------              -------------------------------------------------
Date                           H. Stewart Fitz Gibbon III
                               Senior Vice President and Chief Financial Officer