Exhibit 31.2



                      CERTIFICATION AS ADOPTED PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Anthony F.  Bisceglio,  Chief  Financial  Officer of SBT Bancorp,  Inc.  (the
"Company") certify that:

     1. I have reviewed this annual report on Form 10-KSB of the Company;

     2. Based on my knowledge, this 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 Company as of,
and for, the periods presented in this report;

     4. The Company'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)) and internal  control over financial
reporting  (as defined in Exchange Act Rules  13a-15(f) and  15d-15(f))  for the
Company 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  Company,  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 Company'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  Company's  internal
control over financial  reporting that occurred during the Company's most recent
fiscal  quarter (the  Company's  fourth fiscal  quarter in the case of an annual
report) that has  materially  affected,  or is  reasonably  likely to materially
affect, the Company's internal control over financial reporting; and

     5. The Company's other certifying officer(s) and I have disclosed, based on
our most recent evaluation of internal control over financial reporting,  to the
Company's  auditors and the audit  committee of the Company'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 Company'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 Company's  internal  control
over financial reporting.



                                        /s/Anthony F. Bisceglio, Ph.D.
                                        ----------------------------------------
                                        Anthony F. Bisceglio, Ph.D.
                                        Chief Financial Officer

Date: March 28, 2008

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