|Exhibit 31.2
CERTIFICATION
I, Salvatore R. DeFrancesco, Jr., certify that:I have reviewed this quarterly report on Form 10-Q of Fidelity D & D  Bancorp, Inc;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;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 the registrant as of, and
for, the periods presented in this quarterly report;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-14 and
15d-14) for the registrant and we have:Designed such disclosure controls and procedures or caused such internal control over financial reporting 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 quarterly report is
being prepared;Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this quarterly
report our conclusions about the effectiveness of the disclosures and procedures as of the end of the period covered by this
quarterly report on such evaluation; andDisclosed 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;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 functions);All significant deficiencies and material weakness 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; andAny 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.
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|Date: May 13, 2004 | /s/Salvatore R. DeFrancesco, Jr.     
|------------------ | -------------------------------------
|                   | Salvatore R. DeFrancesco, Jr.,       
|                   | Treasurer and Chief Financial Officer