Exhibit 31.2

Rule 13a-14(a)/15d-14(a) Certifications

I, Patrick A. Tilghman, certify, that:

1. I have reviewed this annual report on Form 10-KSB of First American
   Capital Corporation;

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(s) 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))
   and internal control over financial reporting (as defined in Exchange
   Act Rules 13a-15(f) and 15d-15(f)) 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 subsidiaries, is made known to us by others within those
   entities, particularly during the period in which this annual report is
   being prepared;

b. Designed such internal control over financial reporting, or caused such
   internal control over financial reporting to be designed under our
   supervision, to provide reasonable assurance regarding the reliability
   of financial reporting and the preparation of financial statements for
   external purposes in accordance with generally accepted accounting
   principles;

c. Evaluated the effectiveness of the small business issuer's disclosure
   controls and procedures and presented in this annual report our
   conclusions about the effectiveness of the disclosure controls and
   procedures, as of the end of the period covered by this annual
   report based on such evaluation; and

d. Disclosed in this annual 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(s) 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 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 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.




3/30/05                 /s/ Patrick A. Tilghman
Date	                Patrick A. Tilghman,
	                Treasurer and Chief Financial Officer