EXHIBIT 31.2

                     CERTIFICATE OF CHIEF FINANCIAL OFFICER


I, the Chief Financial Officer, of North Georgia Community Financial Partners,
Inc. (the "Company"), certify that:

     1.   I have reviewed this quarterly report on Form 10-QSB of the Company;

     2.   Based on my knowledge, this 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 quarterly report;

     3.   Based on my knowledge, the financial statements, and other financial
          information included in this quarterly 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 quarterly report;

     4.   The Company'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 Company
          and have:

          (a)  designed such disclosure controls and procedures, or caused such
               disclosure 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 periodic report is being prepared;

          (b)  evaluated the effectiveness of the Company's internal disclosures
               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.

     5.   The Company's other certifying officer 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:

          (a)  all significant deficiencies and material weaknesses in the
               design or operation of internal controls over financial reporting
               which are reasonably likely to adversely affect the Company'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 Company's
               internal control over financial reporting.


     Dated this 14th day of May 2004.


                              /s/  RHONDA  C.  MASSENGILL
                              --------------------------------
                              Rhonda  C.  Massengill,  CFO
                              (Principal  Accounting  Officer)


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