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                                   Exhibit 31
                     Rule 13a-14(a) /15d-14(a) Certification


I, Mary B. Halsey, certify that:

1.       I have reviewed this quarterly report on Form 10-QSB of Cecil 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; and

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 small business issuer as of, and for, the periods presented in
         this report.

4.       I am responsible for establishing and maintaining disclosure control
         and procedures (as defined in Exchange Act Rules 13a-15(e) and
         15d--15(e)) for the small business issuer 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 small business
         issuer, 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) Evaluated the effectiveness of the small business issuer's
         disclosure controls and procedures and presented in this report my
         conclusions about the effectiveness of the disclosure controls and
         procedures as of the end of the period covered by this report based
         upon such evaluation; and

         c) Disclosed in this report any change in the small business issuer's
         internal control over financial reporting that occurred during the
         small business issuer's most recent fiscal quarter that has materially
         affected, or is reasonably likely to materially affect, the small
         business issuer's internal control over financial reporting; and

5.       I have disclosed, based on my most recent evaluation of internal
         control over financial reporting, to the small business issuer's
         auditors and the audit committee of the small business issuer's board
         of directors (or persons performing the equivalent function):

         a) All significant deficiencies and material weaknesses in the design
         or operation of internal control over financial reporting which are
         reasonably likely to adversely affect the small business issuer'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 small business
         issuer's internal control over financial reporting.

Date: November 10, 2004
/s/ Mary B. Halsey
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Mary B. Halsey
President, Chief Executive Officer and Chief
Financial Officer
(Principal Executive Officer and Principal Financial Officer)