EXHIBIT 31.2

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

      I, George E. Young, III, certify that:

1.    I have reviewed this quarterly report on Form 10-QSB of Falmouth
      Bancorp, Inc.

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 small business issuer as of, and for, the periods
      presented in this report;

4.    The small business issuer'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))
      for the small business issuer 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
            quarterly report is being prepared;

      (b)   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;

      (c)   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 an 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 officer(s) 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 control 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:  May 17, 2004                    /s/ George E. Young, III
                                       ------------------------------------
                                       George E. Young, III
                                       Senior Vice President and Chief
                                       Financial Officer


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