Exhibit 31.2CERTIFICATIONI, Stephen R. Jeuck, certify that:1. I have reviewed this quarterly report on Form 10-QSB of Florida Choice Bankshares, Inc.; 2. Based on my knowledge, this report does not contain any untrue statement of a material factor omit to state a material fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading with respect to the periodcovered by this report; 3. Based on my knowledge, the financial statements, and other financial information included inthis report, fairly present in all material respects the financial condition, results ofoperations and cash flows of the small business issuer as of, and for, the periods presentedin this report; 4. The small business issuer’s other certifying officer and I are responsible for establishingand maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e)and 15d-15(e)) for the small business issuer and have: (a) Designed such disclosure controls and procedures, or caused such disclosurecontrols and procedures to be designed under our supervision, to ensure that materialinformation relating to the small business issuer, including its consolidatedsubsidiaries, is made known to us by others within those entities, particularly duringthe period in which this report is being prepared;  (b) Evaluated the effectiveness of the small business issuer’s disclosure controlsand procedures and presented in this report our conclusions about the effectiveness ofthe disclosure controls and procedures, as of the end of the period covered by thisreport based on such evaluation; and  (c) Disclosed in this report any change in the small business issuer’s internalcontrol over financial reporting that occurred during the small business issuer’s mostrecent fiscal quarter (the small business issuer’s fourth fiscal quarter in the case ofan annual report) that has materially affected, or is reasonably likely to materiallyaffect, the small business issuer’s internal control over financial reporting.5. The small business issuer’s other certifying officer and I have disclosed, based on our mostrecent evaluation of internal control over financial reporting, to the small business issuer’sauditors and the audit committee of the small business issuer’s board of directors (or personsperforming the equivalent functions): (a) All significant deficiencies and material weaknesses in the design or operationof internal control over financial reporting which are reasonably likely to adverselyaffect the small business issuer’s ability to record, process, summarize and reportfinancial information; and  (b) Any fraud, whether or not material, that involves management or other employeeswho have a significant role in the small business issuer’s internal control overfinancial reporting.           Date: November 3, 2005 By: /s/ Stephen R. Jeuck         Stephen R. Jeuck, Chief Financial Officer  A signed original of this written statement required by Section 302 of the Sarbanes-Oxley Act of2002 has been provided to the Company and will be retained by the Company and furnished to theSecurities and Exchange Commission or its staff upon request.