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.   I am responsible for establishing and maintaining  disclosure  controls and
     procedures (as defined in Exchange Act Rule 13a-15(e)) and internal control
     over  financial  reporting (as defined in Exchange Act Rule  13a-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  my
          supervision,  to ensure  that  material  information  relating  to the
          registrant,  including its consolidated subsidiaries, is made known to
          me 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 my
          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 my 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

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

5.   I have disclosed,  based on my 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 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 10, 2006                      /s/John S. Fiore
                                           -------------------------------------
                                           John S. Fiore
                                           President and Chief Executive Officer
                                           (Principal Executive Officer)


<PAGE>

                            SECTION 302 CERTIFICATION

     I,   A.  Richard  Abrahamian,  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.   I am responsible for establishing and maintaining  disclosure  controls and
     procedures (as defined in Exchange Act Rule 13a-15(e)) and internal control
     over  financial  reporting (as defined in Exchange Act Rule  13a-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  my
          supervision,  to ensure  that  material  information  relating  to the
          registrant,  including its consolidated subsidiaries, is made known to
          me 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 my
          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 my 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

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

5.   I have disclosed,  based on my 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 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 10, 2006          /s/A. Richard Abrahamian
                               -------------------------------------------------
                               A. Richard Abrahamian
                               Senior Vice President and Chief Financial Officer
                               (Principal Financial and Accounting Officer)