CERTIFICATIONS

I, Timothy R. Maynard, certify that:

      1.    I have reviewed this quarterly report on Form 10-Q of Union
            Bankshares Company;

      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 company as of, and for, the
            periods presented in this report;

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

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


Date:  May 13, 2004                    /s/ Timothy R. Maynard
                                       Timothy R. Maynard
                                       Chief Financial Officer


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