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                                  EXHIBIT 31(b)
                     RULE 13a-14(a)/15d-14(a) CERTIFICATION

I, Teodoro J. Hernandez, certify that:

6.    I have reviewed this annual report on Form 10-KSB of Harbor Bankshares
      Corporation.

7.    Based on my knowledge, this quarterly 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

8.    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.

9.    The small business issuer's other certifying officer and I are 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
                  our supervision, to ensure that material information relating
                  to the small business issuer, 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 small business issuer's
                  disclosure controls and procedures and presented in this
                  report our conclusions about the effectiveness of the
                  disclosure controls and procedures as of the period covered by
                  this report based upon such evaluation; and

            c)    Disclosed in this report any changes 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

10.   The small business issuer's other certifying officer 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 small business issuer's board of directors (or persons performing
      the equivalent function):

            c)    All significant deficiencies and materials weakness 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

            d)    Any fraud, whether or not material, that involves management
                  or other employees who have a significant role in the small
                  business issuer's internal controls over financial reporting.

March 8, 2006
                                                /s/Teodoro J. Hernandez
                                                Teodoro J. Hernandez, Treasurer