**Exhibit 31.2**

 

*I, John F. Coger,certify that:*

 

*1.**                                      Ihave reviewed this quarterly report on Form 10-Q of Community Valley Bancorp(the “registrant”);*

 

*2.**                                      Basedon my knowledge, this quarterly report does not contain any untrue statement ofa material fact or omit to state a material fact necessary to make thestatements made, in light of the circumstances under which such statements weremade, not misleading with respect to the period covered by this quarterlyreport;*

 

*3.**                                      Basedon my knowledge, the financial statements, and other financial informationincluded in this quarterly report, fairly present in all material respects thefinancial condition, results of operations and cash flows of the registrant asof, and for, the periods presented in this quarterly report;*

 

*4.**                                      Theregistrant’s other certifying officer and I are responsible for establishingand maintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) for the registrant and have:*

 

*a)**            Designed such disclosurecontrols and procedures, or caused such disclosure controls and procedures tobe designed under our supervision, to ensure that material information relatingto the registrant, including its consolidated subsidiaries, is made known to usby others within those entities, particularly during the period in which thisquarterly report is being prepared;*

 

*b)**            Evaluated theeffectiveness of the registrant’s disclosure controls and procedures andpresented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by thisreport based on such evaluation; and*

 

*c)**             Disclosed in thisreport any change in the registrant’s internal control over financial reportingthat occurred during the registrant’s most recent fiscal quarter that hasmaterially affected, or is reasonably likely to materially affect, theregistrant’s internal control over financial reporting ;and*

 

*5.**                                      Theregistrant’s other certifying officer and I have disclosed, based on our mostrecent evaluation of internal control over financial reporting, to theregistrant’s auditors and the audit committee of registrant’s board ofdirectors:*

 

*a)**            All significantdeficiencies and material weaknesses in the design or operation of internal controlover financial reporting which are reasonably likely to adversely affect theregistrant’s ability to record, process, summarize and report financialinformation; and*

 

*b)**            Any fraud, whether ornot material, that involves management or other employees who have asignificant role in the registrant’s internal control over financial reporting.*

 
| *Date:*                                              | *November 11,  2003* |   |
|------------------------------------------------------|---------------------------|--------|
|                                                 |
| *By*                                                 | */s/ John F. Coger*       |   |
|                                                 |
| *Executive Vice  President, Chief Financial Officer* |
|                                                 |
|                                                      |                           |        |  |  |

 

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