EXHIBIT 31.2

    PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF
          1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
                CERTIFICATION OF THE CHIEF FINANCIAL OFFICER


I, Becky T. Harrell, certify that:

1.     I have reviewed this quarterly report on Form 10-QSB of Minden Bancorp,
       Inc. (the "small business issuer");

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 small business issuer as of, and for, the periods presented in
       this report;

4.     The small business issuer'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 small business issuer 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
       small business issuer, 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 small business issuer'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 small business issuer's
       internal control over financial reporting that occurred during the
       small business issuer's most recent fiscal quarter (the small
       business issuer's fourth fiscal quarter in the case of an annual
       report) that has materially affected, or is reasonably likely to
       materially affect, the small business issuer's internal control
       over financial reporting; and

5.     The small business issuer's other certifying officer(s) and I have
       disclosed, based on our most recent evaluation of internal control over
       financial reporting, to the small business issuer's auditors and the
       audit committee of small business issuer'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 small business
       issuer'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 small business
       issuer's internal control over financial reporting.


Date: August 19, 2003                     /s/ Becky T. Harrell
                                          ------------------------------
                                          Becky T. Harrell
                                          Chief Financial Officer































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