Exhibit 31.2

                               CERTIFICATIONS

I, Timothy R. Maynard, certify that:

      1.    I have reviewed this annual report on Form 10-K of Union
            Bankshares Company;

      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 registrant as of, and for, the
            periods presented in this 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 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 annual 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 (the
                  registrant's fourth fiscal quarter in the case of an
                  annual report) that has materially affected, or is
                  reasonable likely to materially affect the registrant's
                  most recent fiscal quarter, the issuer's internal control
                  over financial reporting; and

      5.    The registrant's other certifying officers 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 controls 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.


Date: 3/29/04                          /s/ Timothy R. Maynard
                                           Timothy R. Maynard
                                           Senior Vice President/CFO