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/A 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 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)) 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)    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

      c)    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


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      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.

Date:  April 5, 2004                   /s/ George E. Young, III
                                           --------------------------------
                                           George E. Young, III
                                           Senior Vice President and Chief
                                           Financial Officer


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