EXHIBIT 31.1

          CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
               PURSUANT TO EXCHANGE ACT RULES
          13A-14(A)/15D-14(A) AS ADDED BY SECTION 302
               OF THE SARBANES-OXLEY ACT OF 2002

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                         CERTIFICATION

I, Mark D. Gainer, President/CEO, certify, that:

   1. I have reviewed this quarterly report on Form 10-Q of Union
      National Financial Corporation.

   2. Based on my knowledge, the 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. Union National'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-14) 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 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 quarterly report based on
          such evaluation; 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; and

   5. Union National'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 (or persons performing the equivalent function):

      (a) all significant deficiencies and material weaknesses in
          the design or operation of the 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 controls over
          financial reporting.

                               By /s/ Mark D. Gainer
                                  _____________________
                                  President/CEO

                               Date: November 14, 2005

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