**Exhibit 31.2**

 

***Certification of the Principal Accountingand 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-Q of Solera NationalBancorp, Inc.;

 

2.Based on my knowledge, this quarterly report does not contain any untruestatement of a material fact or omit to state a material fact necessary to makethe statements made, in light of the circumstances under which such statementswere made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financialinformation included in this report, fairly present in all material respectsthe financial condition, results of operations and cash flows of the registrantas of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer(s) and I are responsible forestablishing and maintaining disclosure controls and procedures (as defined inExchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant andhave:

 

(a) Designedsuch disclosure 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; and

 

(b) Reserved

 

(c) Evaluatedthe effectiveness of the registrant’s disclosure controls and procedures andpresented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by thisreport based on such evaluation; and

 

(d) Disclosedin this report any changes 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 effect, theregistrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer(s) and I have disclosed, basedon our most recent evaluation of internal control over financial reporting, tothe registrant’s auditors and the audit committee of the registrant’s board ofdirectors (or persons performing the equivalent functions):

 

(a) Allsignificant deficiencies and material weaknesses in the design or operation ofinternal control over financial reporting which are reasonably likely toadversely affect the registrant’s ability to record, process, summarize andreport financial information; and

 

(b) Anyfraud, whether or not material, that involves management or other employees whohave a significant role in the registrant’s internal control over financialreporting.

 
| Date:  May 14, 2008 | /s/  Robert J. Fenton                               |
|--------------------------|-----------------------------------------------------|
|                     | Robert  J. Fenton                                   |
|                     | Vice  President, Secretary & Treasurer     |
|                     | (Principal  Accounting and Chief Financial Officer) |

 

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