EXHIBIT 31.2


                                  CERTIFICATION

I, Russell M. Brooks, Vice President and Chief Financial Officer of CKF Bancorp,
Inc., certify that:

1.            I have  reviewed  this  quarterly  report  on Form  10-QSB  of CKF
              Bancorp, Inc.;

2.            Based on my  knowledge,  this  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 report;

3.            Based  on  my  knowledge,  the  financial  statements,  and  other
              financial  information included in this 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 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  subsidiaries,  is made  known to us by others
                     within those  entities,  particularly  during the period in
                     which this report is being prepared;

              (b)    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

              (c)    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 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.


Date: November 12, 2004

                                      /s/ Russell M. Brooks
                                      ------------------------------------------
                                      Russell M. Brooks
                                      Vice President and Chief Financial Officer