Exhibit 31.2

                  CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER

In connection with the Annual Report to shareholders of NSD Bancorp, Inc. (the
"Corporation") on Form 10-K for the period ended December 31, 2003, as filed
with the Securities and Exchange Commission (the "Report"), I, Andrew W. Hasley,
President and Chief Operating Officer, certify pursuant to Section 302 of the
Sarbanes-Oxley Act of 2002, that:

     1.   I have reviewed this annual report to shareholders on Form 10-K of NSD
          Bancorp, Inc.

     2    Based on my  knowledge,  this annual report to  shareholders  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  annual  report  to
          shareholders.

     3    Based on my knowledge,  the financial statements,  and other financial
          information  included in this annual  report to  shareholders,  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 annual report to shareholders.

     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 13(a) - 15(e) and 15(d) - 15(e) for the
          registrant and we have:

          (a)  designed such  disclosure  controls and procedures 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
               annual report to shareholders 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 evaluations and

          (c)  disclosed  in this  report  any change in the  registrant's  most
               recent  fiscal  quarter  that  has  materially  affected,  or  is
               reasonably likely to materially affect, the registrant's internal
               control over financial reporting.

     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
          registrant's  board of directors (or persons performing the equivalent
          function):

          (a)  all  significant  deficiencies  and  material  weaknesses  in the
               design  or  operation  of the  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 have  identified for the  registrant's
               auditors any material weaknesses in internal controls; 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: 03/29/2004                   /S/ William C. Marsh
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                                   William C. Marsh, Treasurer
                                   (Principal Financial and Accounting Officer)