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 (the "registrant");

      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 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
                        internal control over financial reporting; and

      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
                        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
                        control over financial reporting.


Date: March 16, 2005                   /s/ Timothy R. Maynard
                                       Timothy R. Maynard
                                       Senior Vice President &
                                       Chief Financial Officer