**Exhibit 31.1**

 

CERTIFICATION

 

I, Gerard M. Banmiller, President and ChiefExecutive Officer of 1st Colonial Bancorp, Inc., certify that:

 

1.               I havereviewed this quarterly report on Form 10-QSB of 1st ColonialBancorp, Inc.;

 

2.               Based on myknowledge, this quarterly report does not contain any untrue statement of amaterial fact or omit to state a material fact necessary to make the statementsmade, in light of the circumstances under which such statements were made, notmisleading with respect to the period covered by this quarterly report;

 

3.               Based on myknowledge, the financial statements, and other financial information includedin this quarterly report, fairly present in all material respects the financialcondition, results of operations and cash flows of the small business issuer asof, and for, the periods presented in this quarterly report;

 

4.               The smallbusiness issuer’s other certifying officer and I are responsible forestablishing and maintaining disclosure controls and procedures (as defined in ExchangeAct Rules 13a-15(e) and 15d-15(e)) for the small business issuer and wehave:

 

(a)                                  designedsuch disclosure controls and procedures, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure that material informationrelating to the small business issuer, including its consolidated subsidiary,is made known to us by others within those entities, particularly during theperiod in which this quarterly report is being prepared;

 

(b)                                 evaluatedthe effectiveness of the small business issuer’s disclosure controls andprocedures and presented in this report our conclusions about the effectivenessof such disclosure controls and procedures, as of the end of the period coveredby this report based on such evaluation; and

 

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(c)                                  disclosed inthis quarterly report any change in the small business issuer’s internalcontrol over financial reporting that occurred during the small business issuer’sthird fiscal quarter of 2004 that has materially affected, or is reasonably likelyto materially affect, the small business issuer’s internal control overfinancial reporting; and

 

5.               The smallbusiness issuer’s other certifying officer and I have disclosed, based on ourmost recent evaluation of the internal control over financial reporting, to thesmall business issuer’s auditors and the audit committee of small businessissuer’s board of directors (or persons performing equivalent functions):

 

(a)                                  allsignificant deficiencies and material weaknesses in the design or operation of theinternal control over financial reporting which are reasonably likely toadversely 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 asignificant role in the small business issuer’s internal control over financialreporting.

 

Date:       November 15, 2004

 

 
|   | /s/ Gerard M.  Banmiller |   |
|--------|--------------------------|--------|
|   | Gerard M.  Banmiller     |
|   | President and  Chief     |
|   | Executive  Officer       |

 

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