Exhibit
31.1
 
 CERTIFICATIONS
 
 I,
Kenneth T. Neilson, certify that:
 
 1. I have
reviewed this Annual
Report on Form
10-K of Hudson United Bancorp;
 
 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
lightof 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)) and
internal control over
financial reporting (as defined in Exchange
Act Rules 13 a -15(f)
and 15 d -15( f ))  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)  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;
 
 ( c) Evaluated
the effectiveness of the registrant s disclosure controls and procedures and
presented in this report our conclusions about the effectiveness 
of thedisclosure
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 the
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 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:
March 15, 2005
 By: /s/ Kenneth T.
Neilson
 Name: Kenneth T.
Neilson
 Title: Chairman,
President and  Chief
Executive Officer