Exhibit
31.2

CERTIFICATIONS

I, James
W. Nall, certify that:

1.I have
reviewed thisAnnual
Reporton 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
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))and
internal controlover
financialreporting (as definedinExchange
ActRules13a-15(f)
and 15d-15(f))for the
registrant andhave:

(a)Designed
such disclosure controls and procedures, or caused such disclosure controls and
procedures to bedesigned
underour
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 thisreport is
being prepared;

(b)Designedsuch
internalcontrolover
financial reporting, or caused such internalcontrolover
financial reporting to be designed under our supervision,to
provide reasonable assurance regarding thereliabilityof
financial reporting and the preparation of financial statementsforexternal
purposes in accordance with generally accepted accounting
principles;

(c)Evaluated
the effectiveness of the registrant’s disclosure controls and proceduresand
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 quarterin 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 operationof
internal control over financial reporting which are reasonably likely
to    adversely affect the registrant’s ability to record,
process, summarize and report financialinformation;
and

(b)Any
fraud, whether or not material, that involves management or other employees who
have a significant role in the registrant’s internalcontrol
over   financial reporting.

Date:
      March 15, 2005By:
      /s/ James W. NallName:
      James W. NallTitle:
      Executive Vice PresidentChief
      Financial OfficerChief
      Accounting Officer