Exhibit 31.2

                                 CERTIFICATIONS

I, Frederick A. Board, certify that:
   ------------------

     1. I have reviewed this quarterly report on Form 10-Q of Premier  Community
Bankshares, 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  officer and I are  responsible for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-15e and 15d-15e) 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 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 officer 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.



Date:  11/13/03                      /s/ Frederick A. Board
--------------------             -----------------------------------------------
                                 Frederick A. Board,
                                 Senior Vice President & Chief Financial Officer