**Exhibit 31.2**

 

**Certification of Principal Accounting and Financial OfficerPursuant to Section 302 of the Sarbanes-Oxley Act of 2002**

 

SOLERANATIONAL BANCORP, INC.

aDelaware corporation

 

CERTIFICATIONOF PRINCIPAL ACCOUNTING AND FINANCIAL OFFICER

 

I, Robert J. Fenton,Executive Vice President and Chief Financial Officer (Principal Accounting andChief Financial Officer) of Solera National Bancorp, Inc., a Delawarecorporation, do hereby certify that:

 

(1)          I have reviewedthis Quarterly Report on Form 10-Q of Solera National Bancorp, Inc.;

 

(2)          Based on myknowledge, this Report does not contain any untrue statement of a material factor omit to state a material fact necessary in order to make the statementsmade, in light of the circumstances under which such statements were made, notmisleading with respect to the periods covered by this Report;

 

(3)          Based on myknowledge, the financial statements, and other financial information includedin this Report, fairly present in all material respects the financialcondition, results of operations and cash flows of the registrant as of, andfor, the periods presented in this Report;

 

(4)          Theregistrant’s other certifying officer and I are responsible for establishingand maintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) and internal control over financialreporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f))for the company and have:

 

(a)          designed suchdisclosure controls and procedures, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure that materialinformation relating to the registrant, including its consolidated subsidiary,is made known to us by others within those entities, particularly during theperiod in which this Report is being prepared;

 

(b)         designed suchinternal control over financial reporting, or caused such internal control overfinancial reporting to be designed under our supervision, to provide reasonableassurance regarding the reliability of financial reporting and the preparationof financial statements for external purposes in accordance with generallyaccepted accounting principles;

 

(c)          evaluated theeffectiveness of the registrant’s disclosure controls and procedures and presentedin this Report our conclusions about the effectiveness of the disclosurecontrols and procedures, as of the end of the period covered by this Reportbased on such evaluation; and

 

(d)         disclosed inthis Report any change in the registrant’s internal control over financialreporting that occurred during the registrant’s most recent fiscal quarter (theregistrant’s fourth fiscal quarter in the case of an annual report) that hasmaterially affected, or is reasonably likely to materially affect, the registrant’sinternal control over financial reporting; and

 

(5)          Theregistrant’s other certifying officer and I have disclosed, based on our mostrecent evaluation of internal control over financial reporting, to theregistrant’s auditors and the audit committee of the registrant’s board ofdirectors (or persons performing the equivalent functions):

 

(a)          all significantdeficiencies and material weaknesses in the design or operation of internalcontrol over financial reporting which are reasonably likely to adverselyaffect the registrant’s ability to record, process, summarize and reportfinancial information; and

 

(b)         any fraud,whether or not material, that involves management or other employees who have asignificant role in the registrant’s internal control over financial reporting.

 
| Dated: November 10,  2010 | By:                                                | /s/ Robert J. Fenton |
|--------------------------------|----------------------------------------------------|----------------------|
|                           | Robert J. Fenton                                   |
|                           | Executive Vice President,  Chief Financial Officer |
|                           | (Principal Accounting and  Financial Officer)      |

 

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