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EXHIBIT 31.2

Rule 13a-14(a) CERTIFICATION

I, William C. Kurtz, certify that:



| | 1. |  | I have reviewed this quarterly report on Form 10-QSB of Monarch
Community Bancorp, 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 registrant as of, and for, the periods presented in
this report;                   
|
| | 4. |  | The registrants other certifying officers 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 registrant 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 registrant,
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;
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|
| | b. |  | Evaluated the effectiveness of the registrant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 registrants internal control over financial reporting that occurred during
the registrants most recent fiscal quarter that has materially affected, or is reasonably
likely to materially affect, the registrants internal control over financial reporting.                                                                    



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

|                      |  |     |  |                                    
|--------------------- |  | --- |  | -----------------------------------
|Date: August 14, 2003 |  | By: |  | /s/ William C. Kurtz               
|                      |  |     |  |                                    
|                      |  |     |  | William C. Kurtz                   
|                      |  |     |  | Senior Vice President and Treasurer
|                      |  |     |  | (Principal Financial Officer)      

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