EXHIBIT 31.2

                                  CERTIFICATION

I, Nita Elliott, certify that:

     1.   I  have  reviewed  this  report  on Form 10-KSB of Seasons Bancshares,
          Inc. (the "Registrant");

     2.   Based  on  my  knowledge,  this  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  officers  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 we 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
               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;

          b)   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 (the Registrant's
               fourth  fiscal  quarter in the case of an annual report) 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(s)  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 controls over financial reporting.

Date:  March 31, 2005

                                   /S/ NITA ELLIOTT
                                   ---------------------------------------------
                                   Nita Elliott
                                   Chief Financial Officer