Exhibit 31.1

     I, Gerard M. Banmiller, certify that:

     1.   I have reviewed this quarterly report on Form 10-QSB
          of 1st Colonial Bancorp, Inc.;

     2.   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 quarterly
          report;

     3.   Based on my knowledge, the financial statements, and
          other financial information included in this quarterly
          report, fairly present in all material respects the
          financial condition, results of operations and cash
          flows of 1st Colonial Bancorp as of, and for, the
          periods presented in this quarterly report;

     4.   1st Colonial Bancorp'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 1st
          Colonial Bancorp 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 1st
               Colonial Bancorp, including its consolidated
               subsidiary, is made known to us by others
               within those entities, particularly during the
               period in which this quarterly report is being
               prepared.

          (b)  Evaluated the effectiveness of 1st Colonial
               Bancorp's disclosure controls and procedures and
               presented in this quarterly report our
               conclusions about the effectiveness of the
               disclosure controls and procedures, as of
               June 30, 2003, based on such evaluation; and

          (c)  Disclosed in this quarterly report any change in
               1st Colonial Bancorp's internal control over
               financial reporting that occurred during the
               quarter ended June 30, 2003 that has materially
               affected, or is reasonably likely to materially
               affect, 1st Colonial's internal control over
               financial reporting.

     5.   1st Colonial Bancorp's other certifying officers and
          I have disclosed, based on our most recent evaluation
          of internal controls over financial reporting, to 1st
          Colonial Bancorp's auditors and the audit committee of
          1st Colonial Bancorp's board of directors (or persons
          performing the equivalent functions):

          (a)  All significant deficiencies in the design or
               operation of internal controls over financial
               reporting which are reasonably likely to
               adversely affect 1st Colonial Bancorp'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 1st Colonial Bancorp's
               internal control over financial reporting.

Date  August 13, 2003


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