**EXHIBIT  12.****2******

**CERTIFICATION  PURSUANT TO****SECTION  302 OF THE SARBANES OXLEY ACT OF 2002**

I, Denis Duverne, Chief Financial Officer and a Member of the Management Board of AXA, certify that:

| **1.**   | I      have reviewed this Annual Report on Form 20-F of AXA (the “Registrant”);                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
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| **2.**   | Based      on my knowledge, this report does not contain any untrue statement of a      material fact or omit to statea      material fact necessary in order to make the statements made, in light of      the circumstances under which such statements were made, not misleading      with respect to the periods 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 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(e)) for the Registrant and we have: 
- designed          such disclosure controls and procedures, or caused such disclosure controls          and procedures to bedesigned under our supervision, to ensure that material          information relating to the Registrant, including its consolidatedsubsidiaries,          is made known to us by others within those entities, particularly during          the period in whichthis report is being prepared; 
- evaluated          the effectiveness of the Registrant’s disclosure controls and procedures          and presented in this reportour conclusions about the effectiveness          of the disclosure controls and procedures, as of the end of the periodcovered          by this report, based on such evaluation; and 
- disclosed          in this report any change in the Registrant’s internal control          over financial reporting that occurred duringthe period covered by this          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 officers and I have disclosed, based on our most recent        evaluation of internal control over financial reporting, to the Registrant’s        auditors and to the audit committee of the Registrant’s board of        directors (or persons performing the equivalent functions): 
- 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 
- 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |

|   | /s/ Denis      Duverne      Chief Financial Officer       Member of the Management Board      June 22, 2004 |
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