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Exhibit 31.2
                          WESTERN RESERVE BANCORP, INC.
                                   FORM 10-QSB
                        Quarter ended September 30, 2003

                                 CERTIFICATIONS

I, Cynthia A. Mahl, Senior Vice President and Chief Financial Officer of Western
Reserve Bancorp, Inc. (the "small business issuer"), certify that:

1.      I have reviewed this quarterly report on Form 10-QSB of Western Reserve
        Bancorp, Inc.;

2.      Based on my knowledge, this report does not contain any untrue statement
        of a material fact or omit to state a 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 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 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)     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; and

        (c)     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 issuer's other certifying officers 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; and

        (b)     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.


Date:  November 14, 2003         /s/ Cynthia A. Mahl
                                 Cynthia A. Mahl, Senior Vice President and CFO