Exhibit 31.2



CERTIFICATION



I, Mark C. Walker, Chief Financial Officer of Capital Title Group, Inc. (the Company), certify that:



| | (1) | I have reviewed this Report on Form 10-K for the fiscal year ended December 31, 2003 (the Report);
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| | (2) | Based on my knowledge, the Report does not contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made, in light
of the circumstances under which such statements were made, not misleading with respect to periods covered by this Report; and
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| | (3) | Based on my knowledge, the financial statements, and other financial information included in the Report, fairly present in all material respects the financial condition and results
of operations of the Company as of, and for, the periods represented in the Report;
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| | (4) | The Companys other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures [as defined in Exchange Rules 13a-15(e) and
15d-15(e)] for the Company and have:
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| | (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;
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| | (b) | 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
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| | (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 that has
materially affected, or is reasonably likely to materially affect, the Companys internal control over financial reporting; and
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| | (5) | The Companys other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the Companys auditors
and to the audit committee of the board of directors (or persons performing the equivalent functions);
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| | (a) | all significant deficiencies in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the Companys ability to
record, process, summarize and report financial information; and
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| | (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.
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Dated: March 3, 2004



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|/s/ Mark C. Walker       
|Mark C. Walker           
|Capital Title Group, Inc.
|Chief Financial Officer