Exhibit 31.2

                          SECTION 302 CERTIFICATION

I, Charles E. Burnett, certify that:

     1. I have reviewed this quarterly report on Form 10-Q of Jeffersonville
Bancorp;

     2. Based on my knowledge, this quarterly 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 quarterly report;

     3. Based on my knowledge, the financial statements, and other financial
information included in this quarterly 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 quarterly report;

     4. The registrant'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) for the registrant and we 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 registrant,
     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 registrant'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 registrant's internal
     control over financial reporting that occurred during the registrant's
     most recent fiscal quarter that has materially affected, or is
     reasonably likely to materially affect, the registrant's internal
     control over financial reporting;

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




Date: November 12, 2004




By: /s/ Charles E. Burnett
    -------------------------------------
    Charles E. Burnett
    Treasurer and Chief Financial Officer