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                                                                    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 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.

February 17, 2004



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