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                                EXHIBIT 31.2

I, George R. Kirkland, certify that:

1.  I have reviewed this quarterly report on Form 10-Q of Southwest Georgia
    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 Corporation as of, and for, the periods presented in this report;

4.  The Corporation's other certifying officers and I have been responsible for
    establishing and maintaining disclosure controls and procedures (as
    defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal
    control over financial reporting (as defined in Exchange Act Rules
    13a-15(f) and 15d-15(f)) for the Corporation 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
        Corporation, 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; and

    b)  designed such internal control over financial reporting, or caused such
        internal control over financial reporting to be designed under our
        supervision, to provide reasonable assurance regarding the reliability
        of financial reporting and the preparation of financial statements for
        external purposes in accordance with generally accepted accounting
        principles; and

    c)  evaluated 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 Corporation's internal
        control over financial reporting that occurred during the Corporation's
        most recent fiscal quarter that has materially affected, or is
        reasonably likely to materially affect, the Corporation's internal
        control over financial reporting;

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

    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 Corporation'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 Corporation's internal
        control over financial reporting.


Date:  November 16, 2009

/s/George R. Kirkland
______________________________________
George R. Kirkland
Senior Vice-President and Treasurer
Southwest Georgia Financial Corporation