Exhibit
31.2


CERTIFICATION





I, R.
Jerry Giles certify that:





1.  I
      have reviewed this annual report on Form 10-K of Community Financial
      Corporation (the “Registrant”);





2.  Based
      on my knowledge, this annual 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 consolidated financial statements, and other
      financial information included in this report, fairly present in all
      material respects the consolidated financial condition, results of
      operations and cash flows of the Registrant as of, and for, the periods
      presented in this report;





4.  The
      Registrant'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-15(e)) and internal
      control over financial reporting (as defined in Exchange Act Rules 13a
      -15(f) and 15d-15(f))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 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 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 report based on such evaluation; and





d)
disclosed in this report any changes 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.  The
      Registrant'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
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.





Date:
June 27,
2008                                                                                     /s/R. Jerry
Giles


Senior
Vice President and Chief Financial Officer