**EXHIBIT31.2**

 

**CERTIFICATION**

I,Karan Pohl, certify that:

1.               I have reviewed thisQuarterly Report on Form 10-QSB of Coast Bancorp;

2.               Based on my knowledge, thisreport does not contain any untrue statement of a material fact or omit tostate a material fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading withrespect to the period covered by this report;

3.               Based on my knowledge, thefinancial statements, and other financial information included in this report,fairly present in all material respects the financial condition, results ofoperations and cash flows of the small business issuer as of, and for, theperiods presented in this report;

4.               The small business issuer’sother certifying officer(s) and I are responsible for establishing andmaintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) for the small business issuer and have:

(a)                       Designed suchdisclosure controls and procedure, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure that materialinformation relating to the small business issuer, including its consolidatedsubsidiaries, is made known to us by others within those entities, particularlyduring the period in which this report is being prepared;

(b)                     [Paragraph reserved pursuantto SEC Release 33-8238]

(c)                      Evaluated theeffectiveness of the small business issuer’s disclosure controls and proceduresand presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by thisreport based on such evaluation; and

(d)                     Disclosed in this report anychange in the small business issuer’s internal control over financial reportingthat occurred during small business issuer’s most recent fiscal quarter thathas materially affected, or is reasonably likely to materially affect, thesmall business issuer’s internal control over financial reporting; and

5.               The small business issuer’sother certifying officer(s) and I have disclosed, based on our most recentevaluation of internal control over financial reporting,  to the small business issuer’s auditors andthe audit committee of small business issuer’s board of directors (or personsperforming the equivalent functions):

(a)                              All significantdeficiencies and material weaknesses in the design or operation of internalcontrol over financial reporting which are reasonably likely to adverselyaffect the small business issuer’s ability to record, process, summarize andreport financial information; and

(b)                              Any fraud,whether or not material, that involves management or other employees who have asignificant role in the small business issuer’s internal controls over financialreporting.
| Date: November 14,  2005 | /s/ Karan Pohl                                     |
|--------------------------|----------------------------------------------------|
|                     | Karan C. Pohl                                      |
|                     | Senior Vice President and  Chief Financial Officer |
|                     | (Principal Financial  Officer)                     |

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