Exhibit 31.2

I, Douglas J. Kelley,
certify that:

|1. | I
have reviewed this quarterly report on Form 10-Q of Fentura Financial, 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          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 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:
|-- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (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  registrant,  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  registrant'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  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. | 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 the audit committee of the          registrant'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                   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 control over
financial reporting
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|Dated:  May 12, 2006 |  | /S/ Douglas J. Kelley
Douglas J. KelleyChief Financial Officer
|-------------------- |  | ----------------------------------------------------------------------------