**Exhibit 31.2**

 

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

 

*6.**              I have reviewed thisquarterly report on Form 10-Q of Community Valley Bancorp (the “registrant”);*

 

*7.**              Based on myknowledge, this quarterly report does not contain any untrue statement of amaterial fact or omit to state a material fact necessary to make the statementsmade, in light of the circumstances under which such statements were made, notmisleading with respect to the period covered by this quarterly report;*

 

*8.**              Based on myknowledge, the financial statements, and other financial information includedin this quarterly report, fairly present in all material respects the financialcondition, results of operations and cash flows of the registrant as of, andfor, the periods presented in this quarterly report;*

 

*9.**              The registrant’sother certifying officer and I are responsible for establishing and maintainingdisclosure controls and procedures (as defined in Exchange Act Rules 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*

 

*10.**       The registrant’s othercertifying officer and I have disclosed, based on our most recent evaluation ofinternal control over financial reporting, to the registrant’s auditors and theaudit committee of registrant’s board of directors:*

 

*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:*                                           | *August 10,  2004* |   |
|--------|---------------------------------------------------|-------------------------|--------|
|   |                                              |
|   | *By*                                              | */s/ John F. Coger*     |   |
|   |                                              |
|   | Executive Vice President, Chief Financial Officer |
|        |                                                   |                         |        |  |  |

 

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