EXHIBIT 31.2

|1. | I have reviewed this quarterly report on Form 10-Q of American Bancorp of New Jersey, Inc.;                                                                                                                                                                                                               
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|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 issuer as of, and for, the periods presented in this report;                       
|4. | The issuer's other certifying officer(s) 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)) for the issuer and
have:                                                                                    
|   | (a)                                                                                                                                                                                                                                                                                                       
|   | (b)                                                                                                                                                                                                                                                                                                       
|   | (c)                                                                                                                                                                                                                                                                                                       
|5. | The issuer's other certifying officer(s) and I have disclosed, based on our most recent evaluation of
internal control over financial reporting, to the small business issuer's auditors and the audit committee
of the issuer's board of directors:                                                      
|   | (a)                                                                                                                                                                                                                                                                                                       
|   | (b)                                                                                                                                                                                                                                                                                                       

|Dated: | August 14, 2006 |  | /s/ Eric B. HeyerEric B. HeyerSenior Vice President and Chief Financial Officer
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