Exhibit 31
                                  CERTIFICATION

I, Judy B. Turner, certify that:

     1.   I  have  reviewed  this  quarterly  report  on  Form 10-QSB of Decatur
          First Bank Group, Inc.;

     2.   Based  on  my  knowledge,  this  quarterly 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 quarterly report;

     3.   Based  on  my  knowledge,  the  financial  statements,  and  other
          financial  information  included  in  this  quarterly  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 quarterly report;

     4.   I  am  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 have:

          a)   designed  such  disclosure  controls  and  procedures,  or caused
               such  disclosure  controls and procedures to be designed under my
               supervision,  to ensure that material information relating to the
               registrant,  including  its  consolidated  subsidiaries,  is made
               known  to me by others within those entities, particularly during
               the period in which this quarterly report is being prepared;

          b)   evaluated  the  effectiveness  of  the  registrant's  disclosure
               controls  and  procedures  and  presented  in  this  report  my
               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  registrant's
               internal  control  over  financial reporting that occurred during
               the  registrant's  most  recent  fiscal quarter (the registrant's
               fourth  fiscal  quarter in the case of an annual report) that has
               materially  affected,  or  is  reasonably  likely  to  materially
               affect,  the  registrant's  internal  control  over  financial
               reporting; and

     5.   I  have  disclosed,  based  on  my  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 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

          b)   any  fraud,  whether  or  not  material, that involves management
               or  other  employees  who  have  a  significant  role  in  the
               registrant's internal controls over financial reporting.


Date: May 10, 2005


      /s/ Judy B. Turner
      ---------------------------
      President, Chief Executive Officer and
      Principal Financial and Accounting Officer