EXHIBIT 31.2

CERTIFICATION
OF CHIEF FINANCIAL OFFICER OF SUMMIT BANCSHARES, INC.

I, Bob G. Scott, certify that:

|1. | I have
  reviewed this quarterly report on Form 10-Q of Summit Bancshares, 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 registrant
  as of, and for, the periods presented in this quarterly report;                     
|   |                                                                                                                                                                                                                                                                                                                                         
|4. | The
  registrant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(a)) for the registrant and we have:                                                                                                   
|   |                                                                                                                                                                                                                                                                                                                                         
|   | a)                                                                                                                                                                                                                                                                                                                                      
|   |                                                                                                                                                                                                                                                                                                                                         
|   | b)                                                                                                                                                                                                                                                                                                                                      
|   |                                                                                                                                                                                                                                                                                                                                         
|   | c)                                                                                                                                                                                                                                                                                                                                      
|   |                                                                                                                                                                                                                                                                                                                                         
|5. | The
  registrants other certifying officers and I have disclosed, based on our
  most recent evaluations of internal control over financial reporting, to the
  registrants auditors and the audit committee of registrants board of
  directors (or persons performing the equivalent function):                                    
|   |                                                                                                                                                                                                                                                                                                                                         
|   | a)                                                                                                                                                                                                                                                                                                                                      
|   |                                                                                                                                                                                                                                                                                                                                         
|   | b)                                                                                                                                                                                                                                                                                                                                      

|Date:
     05-01-04 | By: | /s/ Bob G.
  Scott                                                                | 
|------------------- | --- | --------------------------------------------------------------------------------- | 
|                    |     |                                                                                   | 
|                    |     | Bob G. Scott                                                                      | 
|                    |     | Executive
  Vice President and
  Chief Operating Officer(Chief Financial Officer) | 
|                    |     |                                                                                   | 

34

---

---