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                                                                   Exhibit 31.2


     Exhibit 31.2 CERTIFICATION OF THE CHIEF FINANCIAL OFFICER PURSUANT TO
       RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF 1934 AND
                 SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002




I,  John A. Howard, Jr., certify that:

1.  I have reviewed this quarterly report on Form 10-Q of Laurel Capital
    Group, Inc. (the "Registrant");

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 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 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;

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
    Registrant's board of directors (or persons performing


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    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
         controls over financial reporting.

November 14, 2003



/s/ John A. Howard, Jr.
-----------------------
John A. Howard Jr.
Senior Vice President and Chief Financial Officer



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