Exhibit 31.2

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


I, Jamie E. McReynolds, certify that:

       1.     I have reviewed this quarterly report on Form 10-QSB of First
              Robinson Financial Corporation (the "registrant");

       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 quarterly
              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 quarterly report;

       4.     The registrant's other certifying officer(s) 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 Condensed
                     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 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

              (c)    Disclosed in this report any changes 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(s) 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 weaknesses 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.


Date:   August 11, 2006               /s/ JAMIE E. MCREYNOLDS
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                                      Jamie E. McReynolds
                                      Chief Financial Officer and Vice President

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