Exhibit 31

                            SECTION 302 CERTIFICATION


         I, John S.  Fiore,  President  and Chief  Executive  Officer of Synergy
Financial Group, Inc., certify that:

1.       I have  reviewed this report on Form 10-Q of Synergy  Financial  Group,
         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 Rule 13a-15(e)) 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 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)      Evaluated the  effectiveness  of the  registrant's  disclosure
                  controls  and  procedures  and  presented  in this  report our
                  conclusion about the effectiveness of the disclosure  controls
                  and  procedures,  as of the end of the period  covered by this
                  report on such evaluation; and

         (c)      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  that  has
                  materially  affected,  or is  reasonably  likely to materially
                  affect,  the  registrant's  internal  control  over  financial
                  reporting;

5.       The registrant's other certifying  officer and I have disclosed,  based
         on our most  recent  evaluation  of  internal  control  over  financial
         reporting  (as  defined  in  Exchange  Act  Rule  13a-15(f)),   to  the
         registrant's  auditors and the audit committee of registrant's board of
         directors:

         (a)      All  significant  deficiencies  in  the  design  and  material
                  weaknesses  in the design or  operation  of internal  controls
                  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 controls over financial reporting.


Date:    May 14, 2004                      /s/John S. Fiore
                                           -------------------------------------
                                           John S. Fiore
                                           President and Chief Executive Officer

<PAGE>
                                                                      Exhibit 31

                            SECTION 302 CERTIFICATION


         I,  Ralph A.  Fernandez,  Senior  Vice  President  and Chief  Financial
Officer of Synergy Financial Group, Inc., certify that:

1.       I have  reviewed this report on Form 10-Q of Synergy  Financial  Group,
         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)) 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 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)      Evaluated the  effectiveness  of the  registrant's  disclosure
                  controls  and  procedures  and  presented  in this  report our
                  conclusion about the effectiveness of the disclosure  controls
                  and  procedures,  as of the end of the period  covered by this
                  report on such evaluation; and

         (c)      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  that  has
                  materially  affected,  or is  reasonably  likely to materially
                  affect,  the  registrant's  internal  control  over  financial
                  reporting;

5.       The registrant's other certifying  officer and I have disclosed,  based
         on our most  recent  evaluation  of  internal  control  over  financial
         reporting  (as  defined  in  Exchange  Act  Rules  13a-15(f)),  to  the
         registrant's  auditors and the audit committee of registrant's board of
         directors:

         (a)      All  significant  deficiencies  in  the  design  and  material
                  weaknesses  in the design or  operation  of internal  controls
                  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 controls over financial reporting.


Date:    May 14, 2004          /s/Ralph A. Fernandez
                               -------------------------------------------------
                               Ralph A. Fernandez
                               Senior Vice President and Chief Financial Officer