Exhibit 31.2

            CERTIFICATION BY CHIEF FINANCIAL OFFICER
             PURSUANT TO RULE 13a-14(a)/15(d)-14(a)


I, Melissa L. Whitley, certify that:

1.   I have reviewed this annual report on Form 10-KSB of Raike
     Financial Group, 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 registrant as
     of, and for, the periods presented in this report;

4.   The registrant'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 registrant 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 registrant, 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 registrant'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 registrant's
          internal control over financial reporting that occurred
          during the registrant's most recent fiscal quarter (the
          registrant's fourth fiscal quarter in the case of an
          annual report) that has materially affected, or is
          reasonably likely to materially affect, the
          registrant's internal control over financial reporting;
          and

5.   The registrant's other certifying officer and I have
     disclosed, based on our most recent evaluation of internal
     control over financial reporting, to the registrant's
     auditors and the audit committee of the registrant'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 registrant'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 registrant's internal control over
          financial reporting.


Date:  March 26, 2004

                              /s/Melissa L. Whitley
                              -------------------------------------
                              Melissa L. Whitley
                              Principal Financial and Accounting
                              Officer