Exhibit 31.2 Section 302 Certification for Chief Financial Officer

Sarbanes-Oxley Act of 2002, Section 302 Certification for Chief Financial
Officer

I, Jeffery D. Joyce, Chief Financial Officer, of Heartland Bancshares, Inc.,
certify that:

1.  I have reviewed this annual report on Form 10-KSB of Heartland
    Bancshares, Inc.;

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 small
    business issuer as of, and for, the periods presented in this report;

4.  The  small  business   issuer'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))
    [clause omitted  pursuant to SEC Release Nos.  33-8238 and 34-47986] for the
    small business issuer 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 small  business
        issuer, 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)  [paragraph  omitted  pursuant  to  SEC  Release  Nos.  33-8238  and
        34-47986];

        (c)  Evaluated  the   effectiveness  of  the  small  business   issuer'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

        (d) Disclosed in this report any change in the small  business  issuer's
        internal control over financial reporting that occurred during the small
        business  issuer's  most  recent  fiscal  quarter  (the  small  business
        issuer's fourth fiscal quarter in the case of an annual report) that has
        materially  affected,  or is reasonably likely to materially affect, the
        small business issuer's internal control over financial reporting; and


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


Date: ___ 03/29/2004________

_/s/ Jeffery D. Joyce
Jeffery D. Joyce, Chief Financial Officer