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: May 13, 2004
                               /s/ Russell M. Brooks
                               --------------------------------------------
                               Russell M. Brooks
                               Vice President and Chief Financial Officer