Exhibit 31.2

                CERTIFICATION OF THE PRINCIPAL FINANCIAL OFFICER
                     PURSUANT TO 15 U.S.C. 78m(a) OR 78o(d)
                 (SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002)

I, Mary A. Nance,  the  Treasurer  of Creative  Vistas,  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)   This  Company's  other  certifying  officers  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 we
      have:

     (a)  designed  such  disclosure  controls  and  procedures  to ensure  that
          material information relating to the Company,  including  consolidated
          subsidiaries,  if any,  is made  known to us by  others  within  those
          entities,  particularly  during  the  period in which  this  quarterly
          report is being prepared;
     (b)  evaluated the effectiveness of the Company's  disclosure  controls and
          procedures  as of a date  within 90 days prior to the  filing  date of
          this quarterly report (the "Evaluation Date"); and
     (c)  presented  in  this  quarterly   report  our  conclusions   about  the
          effectiveness  of the disclosure  controls and procedures based on our
          evaluation as of the Evaluation Date;

(5)   The Company's other certifying officers and I have disclosed, based on our
      most recent evaluation,  to the Company's auditors and the audit committee
      of the Company's board of directors (or persons  performing the equivalent
      function):

     (a)  all  significant  deficiencies  in the design or operation of internal
          controls which could adversely affect the Company's ability to record,
          process,  summarize and report  financial data and have identified for
          the Company's  auditors any material  weaknesses in internal controls;
          and
     (b)  any fraud, whether or not material,  that involves management or other
          employees  who  have a  significant  role  in the  Company's  internal
          controls; and

(6)   The  Company's  other  certifying  officers  and I have  indicated in this
      quarterly report whether or not there were significant changes in internal
      controls or in other  factors  that could  significantly  affect  internal
      controls  subsequent to the date of our most recent evaluation,  including
      any  corrective  actions  with  regard  to  significant  deficiencies  and
      material weaknesses.

/s/ Mary A. Nance
-----------------------------
Treasurer
Creative Vistas, Inc.
August 12, 2004