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                                                                    EXHIBIT 31.2

                                 CERTIFICATIONS

I, Ann B. Bledsoe, Chief Financial Officer and Treasurer of Newnan Coweta
Bancshares, Inc., certify that:

1.       I have reviewed this annual report on Form 10-KSB of Newnan Coweta
         Bancshares, Inc.

2.       Based on my knowledge, this annual 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 annual report;

3.       Based on my knowledge, the financial statements, and other financial
         information included in this annual report, fairly present in all
         material respects the financial condition, results of operations and
         cash flows of the small business issuer as of, and for, the periods
         presented in this annual report;

4.       The small business issuer's other certifying officer 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 small business issuer 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 small business issuer, including its consolidated
                  subsidiary, is made known to us by others within that entity,
                  particularly during the period in which this annual report is
                  being prepared;

         b.       [Paragraph omitted pursuant to SEC Release Nos. 33-8238 and
                  34-47986]

         c.       Evaluated the effectiveness of the small business issuer'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 small business
                  issuer's internal control over financial reporting that
                  occurred during the small business issuer's most recent fiscal
                  quarter (the small business issuer's fourth fiscal quarter in
                  the case of an annual report) that has materially affected, or
                  is reasonably likely to materially affect, the small business
                  issuer's internal control over financial reporting; and

5.       The small business issuer's other certifying officer and I have
         disclosed, based on our most recent evaluation of internal control over
         financial reporting, to the small business issuer's auditors and the
         audit committee of the small business issuer's board of directors (or
         persons performing the equivalent function):

         a.       All significant deficiencies in the design or operation of
                  internal control over financial reporting which are reasonably
                  likely to adversely affect the small business issuer'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 small
                  business issuer's internal control over financial reporting.



Date: March 17, 2004               /s/ Ann B. Bledsoe
                                   --------------------------------------------
                                   Ann B. Bledsoe, CFO & Sr. Vice President
                                   (Principal Financial and Accounting Officer)


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