CERTIFICATION

I, Christine R. Piano, Chief Financial Officer and Treasurer of Clifton Savings
Bancorp, Inc., certify that:

1.       I have reviewed this quarterly report of Clifton Savings
         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 registrant'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)) and internal control over financial
         reporting (as defined in Exchange Act Rules 13a-15(f) and
         15d-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 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
                  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 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 registrant's board of directors (or
         persons performing the equivalent functions):

         (a)      All significant deficiencies and material weakness 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: November 7, 2008        /s/ Christine R. Piano
                              --------------------------------------------------
                              Christine R. Piano
                              Chief Financial Officer and Treasurer
                              (principal financial and chief accounting officer)