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:    November 9, 2005                  /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:    November 9, 2005      /s/A. Richard Abrahamian
                               -------------------------------------------------
                               A. Richard Abrahamian
                               Senior Vice President and Chief Financial Officer
                                 (Principal Financial and Accounting Officer)