CERTIFICATION

I, Thomas J. Bisko, President and CEO, certify, that:

         1. I have reviewed this quarterly report on Form 10-Q of QNB Corp.

         2. Based on my knowledge, the 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.

         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 officer 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;

         (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; and

         5. The registrant's other certifying officer 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 function):

         (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

         (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:     November 12, 2004                     By: /s/ Thomas J. Bisko
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                                                    Thomas J. Bisko
                                                    President and CEO