EXHIBIT 31.2

                                   SECTION 302
                    CERTIFICATION OF CHIEF FINANCIAL OFFICER


         I, Jack I. Ehrenhaus certify that:

         1. I have reviewed this quarterly report on Form 10-QSB of Consumers
Financial Corporation;

         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, the 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)) 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 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):


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         (a) all significant deficiencies 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:  January 12, 2005                  /s/ Jack I Ehrenahus
                                         -----------------------------------
                                         Jack I. Ehrenhaus, Chief Financial
                                         Officer


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