EXHIBIT 31.2

                            RULE 13a-14(a)/15d-14(a)
                      CHIEF FINANCIAL OFFICER CERTIFICATION


I, Steve P. Sligh, certify that:

1.     I have reviewed this quarterly report on Form 10-QSB of DutchFork
       Bancshares, 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  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; and

       (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: August 13, 2004            /s/ Steve P. Sligh
      -------------------        ---------------------------------------------
                                 Steve P. Sligh
                                 Executive Vice President and Chief Financial
                                 Officer