**Exhibit 31.2**

 

**Rule 13a-14(a) Certificationof the Principal Financial Officer**

 
|   | I, Charlie T. Lovering,  chief financial officer, certify that:                                                                                                                                                                                                                                                                                                               |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                                                                                                                                                                                                                                          |
| 1.     | I have reviewed this  annual report on Form 10-KSB of Congaree Bancshares, Inc.                                                                                                                                                                                                                                                                                     |
|   |                                                                                                                                                                                                                                                                                                                                                                          |
| 2.     | Based on my knowledge,  this annual 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 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)) and internal control over financial  reporting (as defined in Exchange Act Rules 13a-15(f) and  15d-15(f)) for the registrant 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)                                                                                                                                                                                                                                                                                                                                                                            | Designed such internal  control over financial reporting, or caused such internal control over  financial reporting to be designed under our supervision, to provide  reasonable assurance regarding the reliability of financial reporting and the  preparation of financial statements for external purposes in accordance with  generally accepted accounting principles; |
|   |                                                                                                                                                                                                                                                                                                                                                                          |   |
|   | c)                                                                                                                                                                                                                                                                                                                                                                            | 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 |
|   |                                                                                                                                                                                                                                                                                                                                                                          |   |
|   | d)                                                                                                                                                                                                                                                                                                                                                                            | 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 this annual report) that has materially affected, or is reasonably  likely to materially affect, the small business issuer’s internal control  over financial reporting; and |
|   |                                                                                                                                                                                                                                                                                                                                                                          |   |
| 5.     | The small business  issuer’s other certifying officers 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  controls 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:             March 30,  2009 | By:                                                    | /s/ Charlie T. Lovering |
|---------------------------------------------------------------------------------------------------------|--------------------------------------------------------|-------------------------|
|                                                                                                    | Charlie T. Lovering                                    |
|                                                                                                    | Chief Financial Officer  (Principal Financial Officer) |

 

----