EXHIBIT 31.2

                                  CERTIFICATION


I, Michael J. Dee, Senior-Vice President, Chief Financial Officer and Controller
of Patapsco Bancorp, Inc., certify that:

1.       I have reviewed this Annual Report on Form 10-KSB of Patapsco  Bancorp,
         Inc.;

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 small business  issuer as of, and for, the periods  presented in
         this report;

4.       The  small  business  issuer's  other  certifying  officer  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 small business issuer 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 small
         business issuer, including its consolidated subsidiaries, is made known
         to us by others within those entities,  particularly  during the period
         in which this annual report is being prepared;

                (b) Evaluated the  effectiveness of the small business  issuer'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

                (c)  Disclosed  in this report any change in the small  business
         issuer's internal control over financial reporting that occurred during
         the small  business  issuer's  most recent  fiscal  quarter  (the small
         business  issuer's  fourth  fiscal  quarter  in the  case of an  annual
         report)  that has  materially  affected,  or is  reasonably  likely  to
         materially  affect,  the small business  issuer's internal control over
         financial reporting; and

5.       The  small  business  issuer's  other  certifying  officers  and I have
         disclosed, based on our most recent evaluation of internal control over
         financial  reporting,  to the small business  issuer's auditors and the
         audit  committee of the small business  issuer'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 small business  issuer'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 small  business
         issuer's internal control over financial reporting.

Date: September 22, 2004


                                                 /s/ Michael J. Dee
                                                 -------------------------------
                                                 Michael J. Dee
                                                 Senior Vice President
                                                 Chief Financial Officer