Exhibit 31.2

                     GENEVA FINANCIAL CORP. AND SUBSIDIARIES

                                  CERTIFICATION
                                  -------------

I, Noel Ratner, certify that:

     1.   I have reviewed this Form 10-QSB of Geneva Financial Corp.;

     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 small business issuer as of, and for, the periods  presented in
          this report;

     4.   The small  business  issuer'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 small business issuer 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  small  business  issuer,   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 small business  issuer'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 small  business
                    issuer's  internal  control over  financial  reporting  that
                    occurred  during the small  business  issuer's  most  recent
                    fiscal  quarter (the small business  issuer's  fourth fiscal
                    quarter in the case of an annual report) that has materially
                    affected,  or is reasonably likely to materially affect, the
                    small  business  issuer's  internal  control over  financial
                    reporting; and


<PAGE>


     5.   The small  business  issuer's other  certifying  officer(s) and I have
          disclosed,  based on our most recent  evaluation  of internal  control
          over financial reporting,  to the small business issuer's auditors and
          the audit committee of the small business  issuer'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 small  business  issuer'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 small
                    business issuer's internal control over financial reporting.


Dated:  May 17, 2004                                 /s/ Noel Ratner
                                                     -------------------------
                                                     Noel Ratner
                                                     Chief Financial Officer