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                                                                    EXHIBIT 31.1

                           CERTIFICATION PURSUANT TO
                               SECTION 302 OF THE
                           SARBANES-OXLEY ACT OF 2002

I, Janine Mulhall, certify that:

1.  I have reviewed this quarterly report on Form 10-Q of Harris Preferred
    Capital Corporation;

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 Harris
    Preferred Capital Corporation as of, and for, the periods presented in this
    report;

4.  Harris Preferred Capital Corporation's other certifying officer 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
    Harris Preferred Capital Corporation 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 Harris
         Preferred Capital Corporation, 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 Harris Preferred Capital Corporation'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 Harris Preferred Capital
         Corporation's internal control over financial reporting that occurred
         during Harris Preferred Capital Corporation's most recent fiscal
         quarter that has materially affected, or is reasonably likely to
         materially affect Harris Preferred Capital Corporation's internal
         control over financial reporting; and

5.  Harris Preferred Capital Corporation's other certifying officer and I have
    disclosed, based on our most recent evaluation of internal control over
    financial reporting, to Harris Preferred Capital Corporation's auditors and
    the audit committee of Harris Preferred Capital Corporation's board of
    directors (or persons performing the equivalent functions):

     a)  all significant deficiencies and material weaknesses in the design or
         operation of internal controls over financial reporting which are
         reasonably likely to adversely affect Harris Preferred Capital
         Corporation'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 Harris Preferred Capital
         Corporation's internal controls over financial reporting.

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Date: November 14, 2005                                        /s/ Janine Mulhall
                                                               ------------------------------------
                                                               Chief Financial Officer
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A signed original of this written statement required by Section 302, or other
documentation authenticating, acknowledging, or otherwise adopting the signature
that appears in typed form within the electronic version of this written
statement required by Section 302, has been provided to Harris Preferred Capital
Corporation and will be retained by Harris Preferred Capital Corporation and
furnished to the Securities and Exchange Commission or its staff upon request.