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Exhibit 31.2


CERTIFICATIONS














| |                                                                                                                                                                                                                                                                                                                                                                                                               
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| | (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 Vestin Group, Inc., 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;
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| | (b) Paragraph omitted pursuant to SEC Release Nos 33-8238
    and 34-47986;                                                                                                                                                                                                                                                                                                                                   
|
| | (c) Evaluated the effectiveness of Vestin Group,
    Inc.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 evaluations; and                                                                                                  
|
| | (d) Disclosed in this report any changes in Vestin Group,
    Inc.s internal control over financial reporting that
    occurred during Vestin Group, Inc.s most recent fiscal
    quarter that has materially affected or is reasonably likely to
    materially affect Vestin Group, Inc.s internal control
    over financial reporting; and                                                             





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| | (a) All significant deficiencies and material weaknesses in
    the design or operation of internal controls over financial
    reporting which are reasonably likely to adversely affect Vestin
    Group, Inc.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
    Vestin Group, Inc.s internal control over financial
    reporting.                                                                                                    



| |                        
| | -----------------------
| | /s/ John W. Alderfer   
| |                        
| | John W. Alderfer       
| | Chief Financial Officer