Exhibit 31.2

                    Certification of Chief Financial Officer
            Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Kevin D. Maroney, certify that:

1.   I have reviewed this Quarterly Report on Form 10-QSB of FSB Community
     Bankshares, Inc., a federal corporation;

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 consolidated financial statements, and other
     financial information included in this report, fairly present in all
     material respects the consolidated financial condition, results of
     operations and cash flows of the registrant as of, and for, the periods
     presented in this report;

4.   The small business issuer's other certifying officer 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 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) 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

     c)  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

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5.   The small business issuer's other certifying officer 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:

     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:    November 14, 2007     /s/ Kevin D. Maroney
                               ------------------------------------------
                               Kevin D. Maroney
                               Senior Vice President and Chief Financial Officer