Exhibit 31.2

                                  CERTIFICATION


I, Bret H. Krevolin, Chief Financial Officer, certify, that:

         1. I have reviewed this quarterly report on Form 10-Q of QNB Corp.

         2. Based on my knowledge, the quarterly 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 registrant as
of, and for, the periods presented in this report.

         4. The registrant'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 have:

           (b)          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 report
                        is being prepared;

           (c)          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 report based on such evaluation;
                        and

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

         5. The registrant'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 of 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 control over
                        financial reporting.



Date:    August  13, 2003                          By:
         ----------------


                                                   Bret H. Krevolin
                                                   Chief Financial Officer