*EXHIBIT 31.2*




***Certification
      of the Vice President, Secretary & Treasurer***


***Pursuant
      to Section 302 of the Sarbanes−Oxley Act***





I,
      Robert
      J. Fenton, Vice President, Secretary & Treasurer, certify that:





1.
      I have
      reviewed this quarterly report on Form 10−QSB of Solera National Bancorp,
      Inc.;





2.
      Based
      on my knowledge, this quarterly 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 quarterly
      report;





3.
      Based
      on my knowledge, the financial statements, and other financial information
      included in this quarterly 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 quarterly
      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 quarterly report is being
      prepared;





(b)
      Evaluated the effectiveness of the small business issuer’s disclosure controls
      and procedures and presented in this quarterly report our conclusions about
      the
      effectiveness of the disclosure controls and procedures, as of the end of the
      period covered by this quarterly report based on such evaluation;
      and





(c)
      Disclosed in this quarterly report any changes 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 effect, the small business issuer’s internal
      control over financial reporting; and





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.





Date:
                May 10, 2007
            /s/
                Robert J. FentonRobert
                J. FentonVice
                President, Secretary & Treasurer(Principal
                accounting and chief financial
                officer)




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