EXHIBIT 31.2

               CERTIFICATION FURNISHED PURSUANT TO SECTION 302
                      OF THE SARBANES-OXLEY ACT OF 2002

      I, George E. Young, III, certify that:

      1.    I have reviewed this annual report on Form 10-KSB/A of Falmouth
Bancorp, Inc.;

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

      4.    The company's other certifying officer(s) 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 company and
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 company,
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)    Evaluated the effectiveness of the company'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

            c)    Disclosed in this report any change in the company's
internal control over financial reporting that occurred during the
company's most recent fiscal quarter (the company's fourth fiscal quarter
in the case of an annual report) that has materially affected, or is
reasonably likely to materially affect, the company's internal control over
financial reporting; and

      5.    The company's other certifying officer(s) and I have disclosed,
based on our most recent evaluation of internal control over financial
reporting, to the company's auditors and the audit committee of the
company's board of directors (or persons performing the equivalent
functions):

            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 company'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 company's
internal control over financial reporting.

Date:  April 5, 2004                      /s/ George E. Young, III
                                          ------------------------
                                          George E. Young, III
                                          Senior Vice President and
                                          Chief Financial Officer

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