EXHIBIT 31.2

                  Certification of the Chief Financial Officer
                Pursuant to Section 302 of the Sarbanes-Oxley Act


I, Joseph W. Kennedy, certify that:

1.     I have  reviewed  this  Quarterly  Report on Form  10-QSB  of  Georgetown
       Bancorp, 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 small business  issuer as of, and for, the periods  presented in this
       report;

4.     The  small  business  issuer'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-15(e)) for
       the small business issuer 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
             small business issuer, 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  small  business   issuer'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 changes in the small business issuer's
             internal control over financial  reporting that occurred during the
             small  business  issuer's  most recent  fiscal  quarter  (the small
             business  issuer's  fourth fiscal  quarter in the case of an annual
             report) that has materially  affected,  or is reasonably  likely to
             materially  effect,  the small business  issuer's  internal control
             over financial reporting; and

5.     The  small  business  issuer's  other  certifying  officer(s)and  I  have
       disclosed,  based on our most recent  evaluation of internal control over
       financial  reporting,  to the small  business  issuer's  auditors and the
       audit  committee of the small  business  issuer'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 small business  issuer'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 small business
             issuer's internal control over financial reporting.



Date: May 12, 2006          /s/ Joseph W. Kennedy
                            -----------------------------------
                            Joseph W. Kennedy
                            Senior Vice President, Treasurer and Chief
                            Financial Officer
                            (Principal Accounting and Financial Officer)


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