Exhibit 31.2

                          Certification Section 302

I, Charles E. Burnett, certify that:

1.   I have reviewed this annual report on Form 10-K of Jeffersonville
     Bancorp;

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 annual report;

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;

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)) for the
     registrant and have:

     a)   designed such disclosure controls and procedures, or caused such
          disclosure controls or 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 annual report is being prepared;

     b)   evaluated the effectiveness of the registrant's disclosure controls
          and presented in this annual 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;

     c)   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 (the registrant's fourth
          quarter in the case of an annual report) that has materially
          affected, or is reasonably likely to affect, the registrant's
          internal control over financial reporting; and

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):

     a)   all significant deficiencies and material weaknesses in the design
          or operations of internal control over financial reporting which
          are reasonably likely to adversely affect the registrant's ability
          to record, process, summarize and report financial data and have
          identified for the registrant's auditors any material weaknesses in
          internal controls; 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.

                                       /s/ Charles E. Burnett
                                       Charles E. Burnett
March 29, 2005                         Treasurer and Chief Financial Officer