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: February 14, 2005                        /s/ Joseph W. Kennedy
                                               --------------------------------
                                               Joseph W. Kennedy
                                               Senior Vice President, Treasurer
                                               and Chief Financial Officer
                                               (Principal Accounting and
                                                Financial Officer)