FIRST FEDERAL FINANCIAL SERVICES, INC.
                                                                   Exhibit 31.2

                    Certification of Chief Financial Officer
            Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Donald Engelke, Vice President and Chief Financial Officer, certify that:

1.    I have reviewed this quarterly report on Form 10-QSB of First
      Federal Financial Services, 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 small
      business issuer as of, and for, the periods presented in this
      quarterly report;

4.    The small business issuer's other certifying officers 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
                  quarterly report is being prepared;

      (b)         evaluated the effectiveness of the small business issuer'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 quarterly 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
                  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 officers 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:

      (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, 2005


                                      /s/  Donald Engelke
                                      ---------------------------------
                                      Donald Engelke
                                      Vice President and Chief Financial Officer