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Exhibit 31.2

CERTIFICATION

I, Richard K. Smith, certify that:



|1. |  | I have reviewed this quarterly report on Form 10-Q of Western Ohio Financial Corporation (the registrant);                                                                                                                                                                                              
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|  
|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 registrant
as of, and for, the periods presented in this report;                   
|  
|4. |  | The registrant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)) for the registrant 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 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;
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|
| | (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 changes in the registrants internal control over financial reporting that
occurred during the registrants quarter ended September 30, 2003, that has materially affected, or is
reasonably likely to materially affect, the registrants internal control over financial reporting; and                                                        

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|5. |  | The registrants other certifying officer(s) 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
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|
| | (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.                                                                                               

|                        |  |                 
|----------------------- |  | ----------------
|Date: November 14, 2003 |  | Richard K. Smith

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