CERTIFICATIONS

                                Exhibit 31.1

               CERTIFICATIONS FURNISHED PURSUANT TO SECTION 302

                      OF THE SARBANES-OXLEY ACT OF 2002

      I, Joseph F. MacDonough, certify that:

1.    I have reviewed this annual report on Form 10-KSB of Westborough
      Financial Services, 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 company as of, and for, the periods presented in this report;

4.    The company's other certifying officer(s) and I are 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 company's internal
            control over financial reporting that occurred during the period
            covered by the annual report that has materially affected, or is
            reasonably likely to materially affect, the company'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 control over financial reporting
            which are reasonably likely to adversely affect the company'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 company's
            internal control over financial reporting.


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Date:  December 29, 2004               /s/ Joseph F. MacDonough
                                       ------------------------------------
                                       Joseph F. MacDonough
                                       President and Chief Executive Officer


      I, John L. Casagrande, certify that:

1.    I have reviewed this annual report on Form 10-KSB of Westborough
      Financial Services, 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 company as of, and for, the periods presented in this report;

4.    The company's other certifying officer(s) and I are 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 company's internal
            control over financial reporting that occurred during the period
            covered by the annual report that has materially affected, or is
            reasonably likely to materially affect, the company'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 control over financial reporting
            which are reasonably likely to adversely affect the company'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 company's
            internal control over financial reporting.

Date:  December 29, 2004               /s/ John L. Casagrande
                                       ------------------------------------
                                       John L. Casagrande
                                       Senior Vice President, Treasurer and
                                       Clerk


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