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Exhibit 31.2
 CERTIFICATION BY THE CHIEF FINANCIAL OFFICER PURSUANT TO  RULES 13A-15(E) AND 15D-15(E) OF THE SECURITIES EXCHANGE ACT
  1.
    
    I have reviewed this annual report on Form 10-KSB of Birmingham Bloomfield Bancshares, Inc.;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 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 small business issuer as of, and for, the periods presented
in this report;4.
    
    The small business issuer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)) and internal control over financial reporting (as defined in
Exchange Act Rules 13a-15(f) and 15d-15(f)) for the small business issuer 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 small business issuer, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly during
the period in which this report is being prepared;b.
    
    Designed such internal control over financial reporting, or caused such
internal control over financial reporting to be designed under our supervision, to
provide reasonable assurance regarding the reliability of financial reporting and the
preparation of financial statements for external purposes in accordance with generally
accepted accounting principles;c.
    
    Evaluated the effectiveness of the small business issuer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; andd.
    
    Disclosed in this report any change in the small business issuers internal
control over financial reporting that occurred during the small business issuers most
recent fiscal quarter (the small business issuers fourth fiscal quarter in the case
of an annual report) that has materially affected, or is reasonably likely to
materially affect, the small business issuers internal control over financial
reporting; and
 5.
    
    The small business issuers other certifying officer(s) and I have disclosed, based on our
most recent evaluation of internal control over financial reporting, to the small business
issuers auditors and the audit committee of the small business issuer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 small business issuers ability to record, process, summarize and report financial
information; andb.
    
    Any fraud, whether or not material, that involves management or other
employees who have a significant role in the small business issuers internal control
over financial reporting.
  /s/ Robert E. FarrRobert E. FarrActing Chief Financial Officer