Exhibit 31.2

                                 CERTIFICATIONS


I, Rich J. Dutton, certify that:

        1.      I have reviewed this quarterly report on Form 10-Q of Peoples
                Ohio Financial Corporation;

        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(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) Paragraph omitted pursuant to SEC Release Nos.
                        33-8238 and 34-47986;

                        (c) 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

                        (d) 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;
                        and

        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 registrant's 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 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 control over financial reporting.


Date: November 13, 2003

                                            /s/      Richard J. Dutton
                                            -----------------------------------
                                            Richard J. Dutton
                                            Chief Financial Officer


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