EXHIBIT 31.1

              CERTIFICATIONS FURNISHED PURSUANT TO SECTION 302
                      OF THE SARBANES-OXLEY ACT OF 2002

      I, Santo P. Pasqualucci, certify that:

1.    I have reviewed this quarterly report on Form 10-KSB of Falmouth
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;

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.    The company's other certifying officer(s) and I am responsible for
establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-15 (e) and 15d-5(e)) for the company 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
            company, 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 company's disclosure controls
            and procedures and presented in this report our conclusions
            about the effectiveness of the disclosure controls and
            procedures, as of the end of the period covered by this report
            based on such evaluation; and

      c)    Disclosed in this report any change in the issuer's internal
            control over financial reporting that occurred during the period
            covered by the quarterly report that has materially affected, or
            is reasonably likely to materially affect, the issuer's control
            over financial reporting; and

5.    The company's other certifying officer(s) and I have disclosed, based
on our most recent evaluation of internal control over financial reporting,
to the company's auditors and the audit committee of the company's board of
directors (or persons performing the equivalent functions):

      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
            company's ability to record, process, summarize and report
            financial information; and


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

Date:  December 29, 2003               /s/ Santo P. Pasqualucci
                                       ------------------------------------
                                       Santo P. Pasqualucci
                                       President and Chief Executive Officer


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      I, George E. Young, III, certify that

1.    I have reviewed this quarterly report on Form 10-KSB of Falmouth
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 company
as of, and for, the periods presented in this report.

4.    The company's other certifying officer(s) and I am responsible for
establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-15(e) and 15d-5(e)) for the company 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
            company, 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; and

      b)    Evaluated the effectiveness of the registrant's disclosure
            controls and procedures as of a date within 90 days prior to the
            filing date of this annual report (the "Evaluation Date"); and

      c)    Disclosed in this report any change in the issuer's internal
            control over financial reporting that occurred during the period
            covered by the quarterly report that has materially affected, or
            is reasonably likely to materially affect, the issuer's internal
            control over financial reporting; and

5.    The company's other certifying officer(s) and I have disclosed, based
on our most recent evaluation of internal control over financial reporting,
to the company's auditors and the audit committee of the company's board of
directors (or persons performing the equivalent functions):

      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
            company's ability to record, process, summarize and report
            financial information; and


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      b)    Any fraud, whether or not material, that involves management or
            other employees who have a significant role in the company's
            internal control over financial reporting.

Date:  December 29, 2003               /s/ George. E. Young, III
                                       ------------------------------------
                                       George E. Young, III
                                       Senior Vice President and Chief
                                       Financial Officer


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