EXHIBIT 31.2

                       PURSUANT TO RULE 13A-14 AND 15D-14
               OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED,
                AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
                   CERIFICATION OF THE CHIEF FINANCIAL OFFICER

I, Joseph T. Crowley, the Chief Financial Officer of Chester Valley Bancorp
Inc., certify that:

1)   I have reviewed this quarterly report on Form 10-Q of Chester Valley
     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 registrant as of, and for, the periods presented in this report;

4)   The Chief Executive Officer and I are responsible for establishing and
     maintaining disclosure controls and procedures (as defined in Exchange Act
     Rules 13a - 15(e)) and internal control over financial reporting (as
     defined in Exchange Act Rules 13a - 15(f) and 15d - 15(f)) for Chester
     Valley Bancorp Inc. 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 Chester
          Valley Bancorp Inc. and its consolidated subsidiaries, is made known
          to us by others within those entities, particularly during the period
          in which this report is 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 Chester Valley Bancorp Inc.'s
          disclosure controls and procedures and presented in this report our
          conclusions about the effectiveness of the disclosure controls and
          procedures, as of December 31, 2003 based on such evaluation; and
     (d)  Disclosed in this report any change in Chester Valley Bancorp Inc.'s
          internal control over financial reporting that occurred during it's
          the quarter ended December 31, 2003 that has materially affected, or
          is reasonably likely to materially affect, Chester Valley Bancorp
          Inc.'s internal control over financial reporting; and

5)   Chester Valley Bancorp Inc.'s Chief Executive Officer and I have disclosed,
     based upon our most recent evaluation of internal control over financial
     reporting, to Chester Valley Bancorp Inc.'s auditors and audit committee of
     Chester Valley Bancorp Inc.'s board of directors:
     (a)  All significant deficiencies and material weaknesses in the design or
          operation internal control over financial reporting which are
          reasonably likely to adversely affect Chester Valley Bancorp Inc.'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 Chester Valley Bancorp Inc.'s
          internal control over financial reporting.

Date:  February 12, 2004                  /s/ Joseph T. Crowley
                                          --------------------------------------
                                         Joseph T. Crowley
                                         Chief Financial Officer