**Exhibit 31.2**

*** ***

***Certificationof the Principal Accounting and Chief Financial OfficerPursuant 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-Qof Solera National Bancorp, Inc.;

 

2. Based on my knowledge, this quarterly reportdoes not contain any untrue statement of a material fact or omit to state amaterial fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading withrespect to the period covered by this report;

 

3. Based on my knowledge, the financialstatements, and other financial information included in this report, fairlypresent in all material respects the financial condition, results of operationsand cash flows of the registrant as of, and for, the periods presented in thisreport;

 

4. The registrant’s other certifying officer(s) andI are responsible for establishing and maintaining disclosure controls and procedures(as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for theregistrant and have:

 

(a) Designed such disclosure controls andprocedures, or caused such disclosure controls and procedures to be designedunder our supervision, to ensure that material information relating to theregistrant, including its consolidated subsidiary, is made known to us byothers within those entities, particularly during the period in which thisreport is being prepared; and

 

(b) Reserved

 

(c) Evaluated the effectiveness of theregistrant’s disclosure controls and procedures and presented in this reportour conclusions about the effectiveness of the disclosure controls andprocedures, as of the end of the period covered by this report based on suchevaluation; and

 

(d) Disclosed in this report any changes inthe registrant’s internal control over financial reporting that occurred duringthe registrant’s most recent fiscal quarter (the registrant’s fourth fiscalquarter in the case of an annual report) that has materially affected, or isreasonably likely to materially effect, the registrant’s internal control overfinancial reporting; and

 

5. The registrant’s other certifying officer(s) andI have disclosed, based on our most recent evaluation of internal control overfinancial reporting, to the registrant’s auditors and the audit committee ofthe registrant’s board of directors (or persons performing the equivalentfunctions):

 

(a) All significant deficiencies andmaterial weaknesses in the design or operation of internal control overfinancial reporting which are reasonably likely to adversely affect theregistrant’s ability to record, process, summarize and report financialinformation; and

 

(b) Any fraud, whether or not material,that involves management or other employees who have a significant role in theregistrant’s internal control over financial reporting.

 
| Date: November 12, 2008 | /s/ Robert J. Fenton                                |
|------------------------------|-----------------------------------------------------|
|                         | Robert J. Fenton                                    |
|                         | Vice President, Secretary & Treasurer      |
|                         | (Principal Accounting and Chief Financial  Officer) |

 

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