Exhibit 31.2

                                  CERTIFICATION

I, Martin G. Chilek, Chief Financial Officer of Delta Mutual, Inc. (the
"Company"), certify that:

1.   I have reviewed this quarterly report on Form 10-QSB of Delta Mutual, Inc.;

2.   Based on my knowledge, this report does not contain any untrue statement of
     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 Company as of, and for, the periods presented in this 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-14 and 15d-14) for the company 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 Company, 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) designed such internal control over financial reporting, or caused
such internal control over financial reporting to be designed under our
supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles;

     (c) evaluated the effectiveness of the Company'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

     (d) 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 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; and

5. The Company's other certifying officer(s) 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 (or persons performing the equivalent functions):

     (a) all significant deficiencies and material weaknesses in the design or
operation of internal control over financial reporting which arereasonably
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.


Date:  November 15, 2004                /s/ Martin G. Chilek
                                        ----------------------------
                                        Martin G. Chilek
                                        Chief Financial Officer