EXHIBIT 31.1
CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER PURSUANT TO EXCHANGE
      ACT RULES 13A-14(A)/15D-14(A) AS ADDED BY SECTION 302
              OF THE SARBANES-OXLEY ACT OF 2002

I, Mark D. Gainer, Chairman/President/CEO, certify, that:

     1. I have reviewed this annual report on Form 10-K of Union
        National Financial Corporation.

     2. Based on my knowledge, the 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. Union National'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)) 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 annual report is being prepared;
          (b) 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 annual report
              based on such evaluation (the "Evaluation Date");
              and
          (c) disclosed in this report any change in the
              registrant's internal control over financial
              reporting that occurred during the registrant's
              fourth fiscal quarter that has materially affected,
              or is reasonably likely to materially affect, the
              registrant's internal control over financial
              reporting; and

     5. Union National'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



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              of the 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.


                             By  /s/ Mark D. Gainer
                                 __________________
                                 Chairman/President/CEO

                             Date: March 31, 2006



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