Exhibit 31.2

CERTIFICATION

I, Jerry K. Wages, Senior Executive Vice President and Chief
Financial Officer, certify that:

1. I have reviewed this quarterly report on Form 10-QSB of Oconee 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 quarterly 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: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;
    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
    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. 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;
6. 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
7. 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
8. 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 auditors and the audit
  committee of the small business issuers board of directors (or persons
  performing the equivalent functions):

> 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
>     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
10, 2004 | /s/ Jerry K. Wages
Jerry K. Wages
 Senior
 Executive Vice
 President & Chief Financial Officer
|------------------------ | ----------------------------------------------------------------------------------------------