Exhibit 31.2



CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER

Section 302 Certification



I, Richard C. Abbott, certify that:



1. I have
reviewed this quarterly report on Form 10-Q of Bay Banks of Virginia, Inc.;



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 registrant as of, and for, the periods presented in this quarterly 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 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 quarterly report is being prepared;



(b) evaluated the effectiveness of the registrants disclosure controls and procedures and presented in this quarterly
report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this quarterly report based on such evaluation; and



(c) disclosed in this quarterly 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 officers 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 functions):



(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.



|                      |  |                         
|--------------------- |  | ------------------------
|/s/ Richard C. Abbott |  | Dated: November 11, 2004
|Richard C. Abbott     |  |                         
|Treasurer             |  |                         



A signed original of this written
statement required by Section 302 of the Sarbanes-Oxley Act of 2002 will be retained by Bay Banks Of Virginia, Inc., and furnished to the Securities and Exchange Commission or its staff upon request.



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