Exhibit 31.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER


I,  Martha  E.  Brown, the Chief Financial Officer of FNBG Bancshares, Inc. (the
"Company"),  certify  that:

     1.   I  have  reviewed this quarterly report on Form 10-QSB of the Company;

     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  Company as of, and for, the periods presented in
          this  quarterly  report;

     4.   The  Company's  other  certifying  officer  and  I are responsible for
          establishing  and  maintaining  disclosure controls and procedures (as
          defined  in  Exchange Act Rules 13a-14 and 15d-14) for the Company and
          have:

          (a)  designed  such  disclosure controls and procedures 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 the
               periodic  reports  are  being  prepared;
          (b)  evaluated the effectiveness of the Company's internal disclosures
               controls and procedures as of a date within 90 days prior to this
               quarterly  report  (the  "Evaluation  Date");  and
          (c)  presented  in  this  quarterly  report  our conclusions about the
               effectiveness  of the disclosure controls and procedures based on
               our  evaluation  as  of  the  Evaluation  Date.

     5.   The  Company's other certifying officer and I have disclosed, based on
          our  most  recent  evaluation, to the Company's auditors and the audit
          committee  of  the Company's board of directors (or persons performing
          the  equivalent  function):

          (a)  all  significant  deficiencies  in  the  design  or  operation of
               internal  controls  which  could  adversely  affect the Company's
               ability  to  record, process, summarize and report financial data
               and  have  identified  for  the  Company's  auditors any material
               weaknesses  in  internal  controls;  and
          (b)  any  fraud,  whether or not material, that involves management or
               other  employees  who  have  a  significant role in the Company's
               internal  controls;  and.

     6.   The  Company's  other  certifying officer and I have indicated in this
          quarterly  report  whether  or  not  there were significant changes in
          internal  controls or in other factors that could significantly affect
          internal  controls  subsequent  to  the  date  of  their  evaluation,
          including  any  corrective  actions  with  regard  to  significant
          deficiencies  and  material  weaknesses.

     Dated this 17th day of May 2004.


                                 /s/ Martha E. Brown
                                 -------------------
                                 Martha E. Brown
                                 Chief Financial Officer


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