EXHIBIT 99.2

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002


I,   Anna T. Chew, Chief Financial Officer, certify that:

1.           I   have reviewed this annual report  on   Form
  10-K of United Mobile Homes, 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 annual report;

3.            Based   on   my   knowledge,   the   financial
  statements,   and  other financial  information   included
  in    this   annual   report,  fairly  present   in    all
  material   respects  the  financial condition, results  of
  operations   and   cash  flows  of the registrant  as  of,
  and  for,  the  periods presented in this annual report;

4.           The registrant's other certifying officers  and
  I   are   responsible  for establishing  and   maintaining
  disclosure    controls   and   procedures   (as    defined
  in   Exchange   Act  Rules  13a-14  and  15d-14)  for  the
  registrant  and we have:

  a)              designed  such  disclosure  controls   and
  procedures  to  ensure that material information  relating
  to    the    registrant,   including   its    consolidated
  subsidiaries,   is  made known to us  by   others   within
  those  entities, particularly during the period  in  which
  this annual report is being prepared;

  b)              evaluated   the  effectiveness   of    the
  registrant's disclosure controls and procedures  as  of  a
  date   within 90 days prior to the filing date   of   this
  annual report (the "Evaluation Date"); and

  c)                presented  in this annual   report   our
  conclusions   about the effectiveness of  the   disclosure
  controls  and procedures based on our evaluation   as   of
  the Evaluation Date;

5.           The registrant's other certifying officers  and
  I    have    disclosed,   based  on   our   most    recent
  evaluation,   to  the  registrant's  auditors   and    the
  audit   committee  of registrant's board of directors  (or
  persons  performing the equivalent function):

  a)              all   significant  deficiencies  in    the
  design   or   operation of internal controls which   could
  adversely   affect the registrant's ability   to   record,
  process,   summarize and report financial data  and   have
  identified   for the registrant's auditors  any   material
  weaknesses in internal controls; and

  b)              any  fraud, whether or not material,  that
  involves   management  or other  employees  who   have   a
  significant  role  in the registrant's internal  controls;
  and

6.           The registrant's other certifying officers  and
  I  have  indicated in this annual report whether  or   not
  there   were significant changes in internal  controls  or
  in   other   factors   that  could  significantly   affect
  internal   controls   subsequent to  the   date   of   our
  most    recent    evaluation,  including  any   corrective
  actions   with   regard    to   significant   deficiencies
  and   material  weaknesses.


/s/ Anna T. Chew


Anna T. Chew
Chief Financial Officer
March 15, 2003