# EXHIBIT 31.2

# Certification Pursuant
to Section 302 of the Sarbanes-Oxley
Act of 2002

I, Jon W. Swets, certify that:

|1. | I have reviewed this annual report on Form 10-K of Macatawa Bank Corporation;
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|2. | Based on my knowledge, this annual report does not contain any untrue statement
          of 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;
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|3. | Based on my knowledge, the financial statements, and other financial information
          included in this annual report, fairly present in all material respects the
          financial condition, results of operations and cash flows of the registrant as
          of, and for, the periods presented in this annual report.
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|4. | The registrant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) and internal control over financial
          reporting (as defined in Exchange Act Rules 13a-15f and 15d-15(f)) for the
          registrant and have:
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| | (a) | designed such disclosure controls and procedures, or caused such disclosure
               controls and procedures to be designed 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 annual report is being prepared;
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| | (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.
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| | (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
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| | (d) | disclosed in this report any change 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 liked to
               materially affect, the registrants internal control over financial
               reporting.
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|5. | The registrants other certifying officers 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 functions):
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| | (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
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| | (b) | any fraud, whether or not material, that involves management or other employees
               who have a significant role in the registrants internal controls.
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Date: February 24, 2006

| |  | /s/ Jon W. Swets
Jon W. SwetsSenior Vice President and Chief Financial Officer
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