EXHIBIT 31.2

                                  CERTIFICATION

I, Gerald Shencavitz, certify that:

     1.  I have reviewed this quarterly report on Form 10-Q of Bar Harbor
         Bankshares;

     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 report;

     4.  The registrant'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
         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 this registrant's 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 reasonably likely to materially
                  affect, the registrant's internal control over financial
                  reporting.

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

              a.  all significant deficiencies and material weaknesses in the
                  design or operations 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 control over financial reporting.

Date: November 13, 2003                           /s/ Gerald Shencavitz
                                                  ------------------------------
                                                  Gerald Shencavitz
                                                  Chief Financial Officer