U. S. SECURITIES AND EXCHANGE
                        COMMISSION Washington, D.C. 20549
                                    FORM 10-Q


  X     QUARTERLY  REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
        ACT OF 1934
               For the quarterly period ended March 31, 2007

        TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
        ACT OF 1934
               For the transition period from _________ to _________

                        Commission file number 000-23847

                           SHORE FINANCIAL CORPORATION

             (Exact name of registrant as specified in its charter)

                Virginia                             54-1873994
     --------------------------------           ----------------------
      (State or other jurisdiction                (I.R.S. Employer
    of incorporation or organization)           Identification Number)
      25253 Lankford Highway
          Onley, Virginia                              23418
    ---------------------------------           ----------------------
        (Address of Principal                        (Zip Code)
          Executive Offices)

                    Issuer's telephone number: (757) 787-1335


Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.
                                                                  Yes_X_ No___

Indicate by check mark whether the registrant is a large accelerated filer,
an accelerated filer, or a non-accelerated filer. See definition of "accelerated
filer and large  accelerated  filer" in Rule 12b-2 of the Exchange  Act.  (Check
one):
Large accelerated filer___ Accelerated filer ____ Non-accelerated filer_X_

Indicate  by check mark  whether  the  registrant  is a shell  company (as
defined in Rule 12b-2 of the Exchange Act).
                                                                  Yes___ No_X_
                           APPLICABLE ONLY TO ISSUERS
       INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE PRECEDING FIVE YEARS

Indicate by check mark whether the registrant has filed all documents and
reports required to be filed by Section 12, 13 or 15(d) of the Securities
Exchange Act of 1934 subsequent to the distribution of securities under a plan
confirmed by a court.
                                                                  Yes___ No___

Number of shares of Common Stock outstanding as of May 11, 2007:  2,499,487


<PAGE>


                  SHORE FINANCIAL CORPORATION AND SUBSIDIARIES
                                Index - Form 10-Q

                         PART I - FINANCIAL INFORMATION

         Item 1 - Consolidated Financial Statements (Unaudited)

                       Consolidated Statements of Financial Condition as of
                       March 31, 2007 and December 31, 2006

                       Consolidated Statements of Income for the Three Months
                       Ended March 31, 2007 and 2006

                       Consolidated Statements of Stockholders' Equity for the
                       Three Months Ended March 31, 2007 and 2006

                       Consolidated Statements of Cash Flows for the Three
                       Months Ended March 31, 2007 and 2006

                       Notes to Unaudited Consolidated Financial Statements

         Item 2 - Management's Discussion and Analysis of Financial Condition
                       and Results of Operations

                       Results of Operations

                       Interest Sensitivity

                       Financial Condition

                       Asset Quality

                       Liquidity and Capital Resources

         Item 3 - Quantitative and Qualitative Disclosures about Market Risk

         Item 4 - Controls and Procedures


                           PART II - OTHER INFORMATION
         Item 1 - Legal Proceedings
         Item 1A - Risk Factors
         Item 2 - Unregistered Sales of Equity Securities and Use of Proceeds
         Item 3 - Defaults Upon Senior Securities
         Item 4 - Submission of Matters to Vote of Security Holders
         Item 5 - Other Information
         Item 6 - Exhibits

                                   SIGNATURES



<PAGE>

Item 1 - Consolidated Financial Statements (Unaudited)

<TABLE>


                                      Consolidated Statements of Financial Condition


                                                                              March 31,               December 31,
                                                                                2007                      2006
-------------------------------------------------------------------------------------------------------------------------
<S> <C>

                                            ASSETS


Cash (including interest-earning deposits of
      approximately $2,390,800 and $2,267,000, respectively)             $   12,309,800             $   9,469,800
Investment securities:
      Available-for-sale (amortized cost of $27,913,900 and
           $27,791,300, respectively)                                        28,003,900                27,965,300
      Other investments, at cost                                              2,361,900                 2,442,700
Loans receivable, net                                                       210,047,800               207,725,200
Premises and equipment, net                                                   7,105,800                 7,044,300
Other assets                                                                  6,167,900                 6,028,700
                                                                      ---------------------------------------------------

                                                                         $  265,997,100             $ 260,676,000
                                                                      ===================================================

                             LIABILITIES AND STOCKHOLDERS' EQUITY

Deposits:
           Interest-bearing                                              $  179,119,500             $ 172,548,300
           Noninterest-bearing                                               28,192,200                25,554,500
                                                                      ---------------------------  ----------------------
                Total deposits                                              207,311,700               198,102,800

Advances from Federal Home Loan Bank                                         31,216,700                35,233,300
Other liabilities                                                               915,400                 1,213,600
                                                                      ---------------------------------------------------
                Total liabilities                                           239,443,800               234,549,700
                                                                      ---------------------------------------------------

Stockholders' equity
      Preferred stock, par value $1 per share, 500,000
           shares authorized; none issued and
           outstanding                                                             -                         -
      Common stock, par value $.275; 6,000,000
           shares authorized; 2,499,487 and
           2,497,327 issued and outstanding, respectively                       687,400                   686,800
      Additional capital                                                      8,392,200                 8,372,600
      Retained earnings                                                      17,415,700                16,953,400
      Accumulated other comprehensive income                                     58,000                   113,500
                                                                      ---------------------------------------------------
                Total stockholders' equity                                   26,553,300                26,126,300
                                                                      ---------------------------------------------------

                                                                         $  265,997,100             $ 260,676,000
                                                                      ===================================================
</TABLE>


    The accompanying notes are an integral part of these financial statements.




<PAGE>

<TABLE>


                                       Consolidated Statements of Income

                                                                         Three Months Ended March 31,
                                                                -----------------------------------------------
                                                                          2007                     2006
---------------------------------------------------------------------------------------------------------------

<S> <C>

Interest and dividend income
      Loans                                                     $         3,571,500        $         3,134,900
      Investments
            Taxable interest                                                221,500                    277,900
            Tax-exempt interest                                              60,300                     32,600
            Dividends                                                        73,400                     50,400
                                                                -----------------------------------------------
                   Total interest and dividend income                     3,926,700                  3,495,800
                                                                -----------------------------------------------

Interest expense
      Deposits                                                            1,462,700                    933,300
      FHLB/other advances                                                   396,100                    420,100
                                                                -----------------------------------------------
                   Total interest expense                                 1,858,800                  1,353,400
                                                                -----------------------------------------------

Net interest income                                                       2,067,900                  2,142,400

Provision for loan losses                                                       600                     16,000
                                                                -----------------------------------------------

Net interest income after
      provision for loan losses                                           2,067,300                  2,126,400
                                                                -----------------------------------------------

Noninterest income
      Deposit account fees                                                  526,400                    568,700
      Loan fees                                                              35,500                     27,000
      Mortgage banking fees                                                  67,500                     29,600
      Commissions on investment brokerage sales                              92,000                     78,400
      Gains on sales of securities                                           46,600                          -
      Other                                                                  61,300                     67,800
                                                                -----------------------------------------------
                   Total noninterest income                                 829,300                    771,500
                                                                -----------------------------------------------

Noninterest expense
      Compensation and employee
            benefits                                                      1,023,800                    918,100
      Occupancy and equipment                                               427,100                    432,500
      Data processing                                                       202,400                    212,400
      Professional fees                                                      99,600                     95,300
      Advertising and promotion                                              36,400                     29,700
      Other                                                                 184,000                    202,700
                                                                -----------------------------------------------
                   Total noninterest expense                              1,973,300                  1,890,700
                                                                -----------------------------------------------

Income before income taxes                                                  923,300                  1,007,200

Income taxes                                                                286,200                    312,200
                                                                -----------------------------------------------

Net income                                                      $           637,100        $           695,000
                                                                ===============================================

Cash Dividends Declared Per Share                               $              0.07        $              0.06
                                                                ===============================================

Earnings Per Common Share:
            Basic (1)                                           $              0.26        $              0.28
                                                                ===============================================

            Diluted (1)                                         $              0.25        $              0.28
                                                                ===============================================

(1) The March 2006 amounts have been retroactively adjusted to reflect the August 2006 six-for-five stock split.

</TABLE>

    The accompanying notes are an integral part of these financial statements.




<PAGE>

<TABLE>

                                        Consolidated Statements of Stockholders' Equity


---------------------------------------------------------------------------------------------------------------------------------

                                                                                                  Accumulated
                                                                                                     Other
                                      Number of      Common       Additional       Retained      Comprehensive
                                        Shares        Stock         Capital        Earnings      Income (Loss)        Total
                                      -----------  ------------------------------------------------------------------------------
<S> <C>


Balance, December 31, 2005             2,074,207    $  684,500    $  8,267,400    $ 14,631,400    $      45,300    $  23,628,600

Common stock cash dividend
    declared                                -             -               -           (145,200)            -            (145,200)

Exercise of stock options                  2,160           700          53,200            -                -              53,900

Tax benefit associated with the
    exercise of stock options               -             -              8,100            -                -               8,100

Repurchase of common stock                  -             -               -               -                -                -

Comprehensive income (loss)                 -             -               -            695,000          (42,700)         652,300
                                      -----------  ------------------------------------------------------------------------------

Balance, March 31, 2006                2,076,367    $  685,200    $  8,328,700    $ 15,181,200    $       2,600    $  24,197,700
                                      ===========  ==============================================================================

Balance, December 31, 2006             2,497,327       686,800       8,372,600      16,953,400          113,500       26,126,300

Common stock cash dividend
    declared                                -             -               -           (174,800)            -            (174,800)

Exercise of stock options                  2,160           600          13,900            -                -              14,500

Tax benefit associated with the
    exercise of stock options               -             -              5,700            -                -               5,700

Comprehensive income                        -             -               -            637,100          (55,500)         581,600
                                      -----------  ------------------------------------------------------------------------------

Balance, March 31, 2007                2,499,487    $  687,400    $  8,392,200    $ 17,415,700    $      58,000    $  26,553,300
                                      ===========  ==============================================================================

</TABLE>





    The accompanying notes are an integral part of these financial statements.




<PAGE>

<TABLE>


                            Consolidated Statements of Cash Flows


                                                               Three Months Ended March 31,
                                                             ----------------------------------
                                                                  2007              2006
-----------------------------------------------------------------------------------------------
<S> <C>

Cash flows from operating activities
    Net income                                               $       637,100    $      695,000
    Adjustments to reconcile to net cash
       provided by operating activities:
          Provision for loan losses                                      600            16,000
          Depreciation and amortization                              181,300           189,300
          Amortization of premium and accretion
             of discount on securities, net                           (2,400)            2,600
          Gain on sale of investment securities                      (46,600)                -
          Gain on noncash donation                                         -                 -
          Increase in cash surrender value of life insurance         (38,400)          (35,700)
          Compensation expense on stock options granted                    -                 -
          Tax benefit of stock options exercised                       5,700             8,100
          Changes in:
             Deferred loan fees                                       59,800            25,600
             Other assets                                            (88,500)          (22,700)
             Other liabilities                                      (298,200)         (238,000)
                                                             ----------------------------------
             Net cash flows from operating activities                410,400           640,200
                                                             ----------------------------------

Cash flows from investing activities
    Purchase of available-for-sale securities                       (349,900)       (1,728,700)
    Proceeds from maturities, sales and calls of
       available-for-sale securities                                 276,200         1,085,400
    Purchase of other investments                                   (483,100)         (868,400)
    Proceeds from maturities, sales and calls of
       other investments                                             563,900           756,100
    Loan originations, net of repayments                          (2,382,900)       (7,543,100)
    Purchase of premises and equipment                              (226,600)          (95,400)
                                                             ----------------------------------
             Net cash flows from investing activities             (2,602,400)       (8,394,100)
                                                             ----------------------------------

</TABLE>


<PAGE>

<TABLE>


                            Consolidated Statements of Cash Flows

                                                               Three Months Ended March 31,
                                                             ----------------------------------
                                                                  2007              2006
-----------------------------------------------------------------------------------------------
<S> <C>

Cash flows from financing activities
    Net increase (decrease) in demand deposits               $     9,276,700    $   (2,538,900)
    Net increase (decrease) in time deposits                         (67,800)        7,137,900
    Proceeds from FHLB advances                                   78,350,000       153,650,000
    Repayments of FHLB advances                                  (82,366,600)     (151,166,700)
    Proceeds from exercise of stock options                           14,500            53,900
    Payment of dividends on common stock                            (174,800)         (145,200)
                                                             ----------------------------------
             Net cash flows from financing activities              5,032,000         6,991,000
                                                             ----------------------------------

Change in cash and cash equivalents                                2,840,000          (762,900)

Cash and cash equivalents, beginning of period                     9,469,800         9,176,000
                                                             ----------------------------------

Cash and cash equivalents, end of period                     $    12,309,800    $    8,413,100
                                                             ==================================


Supplemental disclosure of cash flow information

    Cash paid during the period for interest                 $     1,988,400    $    1,330,200
    Cash paid during the period for income taxes             $       485,000    $      360,000


    The accompanying notes are an integral part of these financial statements.



</TABLE>



<PAGE>




                  SHORE FINANCIAL CORPORATION AND SUBSIDIARIES
              Notes to Unaudited Consolidated Financial Statements

NOTE 1 - SIGNIFICANT ACCOUNTING POLICIES

Basis of Presentation

The accompanying unaudited consolidated financial statements of Shore Financial
Corporation and Subsidiaries (the "Company") have been prepared in accordance
with generally accepted accounting principles ("GAAP") and with the instructions
to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, they do not include
all of the information and footnotes required by GAAP for complete financial
statements in the United States of America. In the opinion of management, all
adjustments (consisting of normal recurring accruals) necessary for a fair
presentation of the consolidated financial statements have been included.

In preparing the consolidated financial statements in conformity with GAAP in
the United States of America, management is required to make estimates and
assumptions that affect the amounts reported in the consolidated financial
statements and accompanying notes. Actual results could differ from those
estimates. The consolidated results of operations and other data for the three
month period ended March 31, 2007 are not necessarily indicative of the results
that may be expected for any other interim period or the entire year ending
December 31, 2007. The unaudited consolidated financial statements presented
herein should be read in conjunction with the audited consolidated financial
statements and related notes thereto in the Company's Annual Report on Form 10-K
for the year ended December 31, 2006.

Principles of Consolidation

The consolidated financial statements of the Company include and primarily
consist of the accounts of its wholly-owned subsidiary Shore Bank (the "Bank")
and the Bank's wholly-owned subsidiary Shore Investments, Inc. All significant
intercompany balances and transactions have been eliminated in consolidation.

Reclassifications

Certain reclassifications of the prior period's information have been made to
conform to the March 31, 2007 presentation.



<PAGE>




NOTE 2 - EARNINGS PER SHARE

The following is a reconciliation of the numerators and denominators of the
basic and diluted earnings per share computations for the periods ended March
31, 2007 and 2006. The March 2006 amounts have been retroactively adjusted to
reflect the August 2006 six-for-five stock split.


<TABLE>

                                                                   Three Months Ended March 31,
                                                  ---------------------------------------------------------------------
                                                             2007                                     2006
                                                  ---------------------------              ----------------------------
<S><C>


Net income (numerator, basic and diluted)                  $ 637,100                                 $ 695,000
Weighted average shares outstanding
(denominator)                                              2,498,100                                 2,490,200
                                                  ---------------------------              ----------------------------

Earnings per common share - basic                             $ 0.26                                    $ 0.28
                                                  ===========================              ============================

Effect of dilutive securities:

Weighted average shares outstanding                        2,498,100                                 2,490,200
Effect of stock options                                       28,600                                    30,000
                                                  ---------------------------              ----------------------------
Diluted average shares outstanding
(denominator)                                              2,526,700                                 2,520,200
                                                  ---------------------------              ----------------------------

Earnings per common share -
assuming dilution                                             $ 0.25                                    $ 0.28
                                                  ===========================              ============================

</TABLE>


NOTE 3 - COMPREHENSIVE INCOME

Total comprehensive income consists of the following for the three months ended
March 31, 2007 and 2006:



<TABLE>

                                                                           Three Months Ended March 31,
                                                                 -------------------------------------------------
                                                                          2007                      2006
                                                                 ------------------------  -----------------------
<S><C>


Net income                                                                   $ 637,100                $ 695,000
Other comprehensive income (loss)                                              (55,500)                 (42,700)
                                                                 ------------------------  -----------------------

Total comprehensive income                                                   $ 581,600                $ 652,300
                                                                 ========================  =======================


</TABLE>


<PAGE>



NOTE 3 - COMPREHENSIVE INCOME (concluded)

The following is a reconciliation of the related tax effects allocated to each
component of other comprehensive income at March 31, 2007 and 2006.


<TABLE>

                                                                           Three Months Ended March 31,
                                                                 -------------------------------------------------
                                                                          2007                      2006
                                                                 ------------------------  -----------------------
<S><C>


Unrealized gains (losses) on
      available-for-sale securities:
Unrealized holding gains (losses)
      arising during the period                                            $ (37,400)             $ (102,000)
Less: reclassification adjustment
      for gain included in income                                            (46,600)                    -
                                                                 ------------------------  -----------------------

Total other comprehensive gain (loss)
     before tax effect                                                       (84,000)                (102,000)

Tax benefit (expense)                                                         28,500                   59,300
                                                                 ------------------------  -----------------------

Net unrealized gain (loss)                                                 $ (55,500)               $ (42,700)
                                                                 ========================  =======================


</TABLE>


NOTE 4 - SEGMENT INFORMATION

Segment information consists of the following for the three months ended March
31, 2007 and 2006:


<TABLE>

                                                                                                Elimination of
                                                                                                 Intersegment
(In thousands)                                Virginia          Maryland           Other         Transactions         Total
                                         -----------------  ----------------  --------------  -------------------  -------------
<S><C>


Net Interest Income:
      Three Months ended March 31, 2007       $ 1,538             $ 433             $ (159)            $ 256           $ 2,068
      Three Months ended March 31, 2006       $ 1,620             $ 447             $  (60)            $ 135           $ 2,142

Assets:
      March 31, 2007                         $202,646          $ 51,531           $ 44,089         $ (32,269)         $265,997
      December 31, 2006                      $198,692          $ 49,441           $ 43,531         $ (30,988)         $260,676


</TABLE>


NOTE 5 - SUBSEQUENT EVENT

During April 2007, the Company declared a $0.07 per share quarterly cash
dividend on its common stock payable on May 1, 2007 to shareholders of record on
April 23, 2007.

During May 2007, the Board of Directors of Shore Financial Corporation
authorized a stock repurchase plan in which management is authorized to
repurchase up to 125,000 of its outstanding common stock. This authorization
will expire on May 8, 2008.



<PAGE>



Item 2 - Management's Discussion and Analysis of
         Consolidated Financial Condition and Results of Operations

Results of Operations

General

Net income for the three months ended March 31, 2007 was $637,100, or $0.25 per
diluted share, compared to net income of $695,000, or $0.28 per diluted share,
for the same period of the prior year. All per share amounts have been adjusted
to reflect the six-for-five stock split the Company effected on August 30, 2006.
The Bank's mortgage banking division posted significant gains in fee income
during the quarter with an increase from $29,600 during the 2006 quarter to
$67,500 during the 2007 comparable quarter. The Company's investment subsidiary
also realized another quarter of strong production with commission revenue of
$92,000 during the period ended March 2007, compared to $78,400 in 2006.

Over the past several quarters the Company's earnings growth has been negatively
impacted by a declining net interest margin. The margin declined from 3.70%
during the first quarter of last year to 3.46% presently, primarily resulting
from the inverted interest rate yield curve. Although the March 2007 earnings
were also impacted, a leveling off of the interest margin occurred during the
quarter which mitigated the overall effect on earnings.

The Company's total assets reached a record high of $266.0 million with the
gross loan portfolio growing to over $212.9 million. The deposit markets
remained very competitive during the first quarter with low costing deposits
being at a premium and very difficult to attract. However, the Company made good
strides during the quarter in growing these deposits, resulting in a slight
decline in the cost of funds during March. The Company's asset quality remained
strong with a non current loan to total loan ratio of 1.09% and an allocation
for loan losses of 1.34% of the total loan portfolio at quarter end.

Net Interest Income

Net interest income was $2.07 million for the three months period ended March
31, 2007, compared to $2.14 million for the same period of 2006. Net interest
margin pressure impacted the Company's net interest income, declining from 3.70%
during the first quarter of 2006 to 3.46% during the March 2007 quarter. This 24
basis point decline resulted in $146,000 less net interest income based on
average earning assets outstanding during the March 2007 quarter. The decline
reflects the continued pressure on the Company's funding costs.

Average earning assets for the three months ended March 2007 increased $9.4
million over the March 2006 period. The majority of this growth occurred in
average loans which increased $11.7 million over 2006, while average investments
declined $1.6 million during the period. The loan growth occurred in residential
real estate and commercial loans which increased 8.6% and 4.1%, respectively,
over comparable period of 2006. The decline in investment securities reflects
the liquidity demands generated by the loan growth and the limited investment
opportunities that existed during the period primarily due to the inverted yield
curve.


<PAGE>



Average total deposits increased to $199.1 million during the period, compared
to $188.4 million during the 2006 period. During the three months ended March
31, 2007, average interest-bearing checking and savings demand deposits declined
$13.0 million when compared to the March 2006 three month period. Decreases in
the Bank's money market and savings products since March 2006 accounted for the
majority of this decline due to increased rate competition from other banks,
brokerage firms and insurance companies for all deposit products. However, the
Bank realized growth in these products during the first quarter as compared to
December 2006. During the March 2007 quarter, time deposit balances averaged
$112.0 million, representing $23.5 million increase over average time deposit
balances during the 2006 period. The Company purchased brokered certificates of
deposit and offered several rate specials during the second quarter of 2006 and
continues to offer several short-term rate specials, accounting for the increase
in time deposits. As brokered deposits and time deposits became a better
alternative to Federal Home Loan Bank ("FHLB") advances, the Company relied less
on these advances as a source of liquidity funding. This resulted in a $4.2
million decrease in the average balance of FHLB advances during the March 2007
as compared to the March 2006 period.

Interest and dividend income was $3.93 million for the three months ended March
31, 2007, representing a 12.3% increase over the comparable 2006 amount. Loan
growth during past twelve months accounted for the majority of this increase
despite net interest margin pressures during the period. The yield on earning
assets increased 51 basis points to 6.53% during the March 2007 period as
compared to the 2006 comparable period. This increase comprised of a 48 basis
points improvement in loan yields from the three months ended March 31, 2006 to
the March 2007 comparable period and an increase in investment yields of 34
basis points over the same period.

Interest expense for the three months ended March 31, 2007 was $1.86 million,
representing an increase of 37.3% over the comparable 2006 amount which reflects
the pressure on funding costs. A 26.5% increase in average time deposits and a
90 basis point increase in the cost of total interest-bearing liabilities were
the primary contributing factors to this increase.

Stiff market competition continued during the March 2007 quarter. However, the
Bank was able to reduce its cost of funding during the later part of the quarter
by increasing balances in money market and premium checking accounts. This
resulted in the Bank being less dependent on time deposits and wholesale funding
sources to meet liquidity demand during the quarter. The average rate on
interest-bearing liabilities for the three months ended March 31, 2007 was
3.62%, compared to 2.72% incurred in 2006. Interest rates on checking and
savings accounts and time deposits represented the greatest impact on the Bank's
cost of funding by increasing 65 basis points and 84 basis points, respectively,
while FHLB advance cost increased 29 basis points during the 2007 three month
period as compared to the 2006 period.


<PAGE>



The following table illustrates average balances of total interest-earning
assets and total interest-bearing liabilities for the periods indicated, showing
the average distribution of assets, liabilities, and stockholders' equity and
the related income, expense and corresponding weighted average yields and costs.
The average balances used in these tables and other statistical data were
calculated using daily averages.


<TABLE>

                                              Average Balances, Income and Expenses, Yields and Rates

                                                                         Three Months Ended March 31,
                                             ----------------------------------------------------------------------------------
                                                               2007                                      2006
                                             ----------------------------------------     -------------------------------------
                                                 Average     Income/        Yield/           Average     Income/      Yield/
(Dollars In Thousands)                           Balance     Expense        Rate             Balance     Expense      Rate
                                             ------------- ------------ -------------     ------------ ------------ -----------
<S><C>

Assets:
        Securities (1)                        $    30,397   $      365        4.80%        $   32,021   $      357      4.46%
        Loans (net of unearned income):
               Real estate mortgage               118,637        1,836        6.19%           109,244        1,590      5.82%
               Commercial                          74,231        1,363        7.34%            71,306        1,196      6.71%
               Home equity lines                   14,292          301        8.42%            15,560          290      7.46%
               Consumer                             3,257           72        8.84%             2,605           59      9.06%
                                             ------------- ------------                   ------------ ------------
                    Total loans                   210,417        3,572        6.79%           198,715        3,135      6.31%
        Interest-bearing deposits
               in other banks                       1,807           21        4.65%             2,518           21      3.34%
                                             ------------- ------------                   ------------ ------------
                    Total earning assets          242,621        3,958        6.53%           233,254        3,513      6.02%
                                                           ------------                                ------------
        Less: allowance for loan losses            (2,869)                                     (2,869)
        Total nonearning assets                    19,064                                      19,181
                                             -------------                                ------------
        Total assets                          $   258,816                                  $  249,566
                                             =============                                ============

Liabilities
        Interest-bearing deposits:
               Checking and savings           $    60,919   $      201        1.32%        $   73,909   $      123          0.67%
               Time deposits                      111,964        1,262        4.51%            88,481          811          3.67%
                                             ------------- ------------                   ------------ ------------

                    Total interest-bearing
                    deposits                      172,883        1,463        3.38%           162,390          934          2.30%

        FHLB advances                              32,504          396        4.87%            36,668          420          4.58%
                                             ------------- ------------                   ------------ ------------
                    Total interest-bearing
                    liabilities                   205,387        1,859        3.62%           199,058        1,354          2.72%
                                                           ------------                                ------------
        Non-interest bearing liabilities:
               Demand deposits                     26,202                                      25,990
               Other liabilities                      714                                         393
                                             -------------                                ------------

        Total liabilities                         232,303                                     225,441
        Stockholders' equity                       26,513                                      24,125
                                             -------------                                ------------

        Total liabilities and stockholders'
               equity                         $   258,816                                  $  249,566
                                             =============                                ============

        Net interest income (1)                             $    2,099                                  $    2,159
                                                           ============                                ============

        Interest rate spread (1)(2)(3)                                        2.91%                                         3.30%
        Net interest margin (1)(4)                                            3.46%                                         3.70%


(1)      Tax  equivalent  basis.  The tax  equivalent  adjustment  to net interest  income was $31,000 and $17,000 for the three
         months ended March 31, 2007 and 2006, respectively.
(2)      Yield and rate percentages are all computed through the annualization
         of interest income and expense divided by average daily balances based
         on amortized costs.
(3)      Interest  rate spread is the  average  yield  earned on earning  assets less the  average  rate  incurred on
         interest-bearing liabilities.
(4)      Net interest margin is derived by dividing net interest income by average total earning assets.

</TABLE>


<PAGE>




Interest Sensitivity

Management evaluates interest rate sensitivity periodically through the use of
an asset/liability management reporting model. Using this model, management
determines the overall magnitude of interest sensitivity risk and then
formulates strategies governing asset generation and pricing, funding sources
and pricing, and off-balance-sheet commitments in order to reduce sensitivity
risk. These decisions are based on management's outlook regarding future
interest rate movements, the state of the local and national economy, and other
financial and business risk factors.

An important element of the Company's asset/liability management process is
monitoring its interest sensitivity gap. The interest sensitivity gap is the
difference between interest sensitive assets and interest sensitive liabilities
at a specific time interval. A gap is considered positive when the amount of
interest rate sensitive assets exceeds the amount of interest rate sensitive
liabilities, and is considered negative when the amount of interest rate
sensitive liabilities exceeds the amount of interest rate sensitive assets
during a given period. Generally, during a period of rising interest rates, a
negative gap within shorter maturities would adversely affect net interest
income, while a positive gap within shorter maturities would result in an
increase in net interest income. Conversely, during a period of falling interest
rates, a negative gap within shorter maturities would result in an increase in
net interest income while a positive gap within shorter maturities would have
the opposite effect. This gap can be managed by repricing assets or liabilities,
by selling investments available for sale, by replacing an asset or liability at
maturity, or by adjusting the interest rate during the life of an asset or
liability. Matching the amounts of assets and liabilities maturing in the same
time interval helps to hedge the risk and minimize the impact on net interest
income in periods of rising or falling interest rates.


<PAGE>



The following table presents the Company's interest sensitivity position at
March 31, 2007. This one-day position, which continually is changing, is not
necessarily indicative of the Company's position at any other time.


<TABLE>

                                                      Interest Sensitivity Analysis

                                                                            March 31, 2007
                                                    -------------------------------------------------------------------------------
                                                         Within        91-365        1 to 5        Over
(Dollars In Thousands)                                  90 Days         Days         Years       5 Years           Total
                                                    -------------- ------------- ------------- ------------- -------------------
<S><C>

Interest-Earning Assets:
         Loans (1)                                   $     63,372   $    63,777   $    79,584   $     6,174   $        212,907
         Securities (2)                                     2,071         6,183        19,398         2,714             30,366
         Money market and other
             short term securities                          2,391           -             -             -                2,391
         Other earning assets                                 -             -             -           3,601              3,601
                                                    -------------- ------------- ------------- ------------- -------------------

         Total earning assets                        $     67,834   $    69,960   $    98,982   $    12,489   $        249,265
                                                    ============== ============= ============= ============= ===================
         Cumulative earning assets                   $     67,834   $   137,794   $   236,776   $   249,265   $        249,265
                                                    ============== ============= ============= ============= ===================


Interest-Bearing Liabilities:
         Money market savings                        $     19,719   $       -     $       -     $       -     $         19,719
         Interest checking (3)                                -             -          27,506           -               27,506
         Savings (3)                                        2,480         1,038        16,619           -               20,137
         Certificates of deposit                           34,136        46,447        30,341           913            111,837
         FHLB advances                                     15,750         6,000         9,000           467             31,217
                                                    -------------- ------------- ------------- ------------- ------------------

         Total interest-bearing liabilities          $     72,085   $    53,485   $    83,466   $     1,380   $        210,416
                                                    ============== ============= ============= ============= ==================
         Cumulative interest-bearing
             liabilities                             $     72,085   $   125,570   $   209,036   $   210,416   $        210,416
                                                    ============== ============= ============= ============= ==================

         Period gap                                  $     (4,251)  $    16,475   $    15,516   $    11,109   $         38,849
         Cumulative gap                              $     (4,251)  $    12,224   $    27,740   $    38,849   $         38,849
         Ratio of cumulative interest-earning
             assets to interest-bearing liabilities        94.10%       109.73%       113.27%       118.46%            118.46%
         Ratio of cumulative gap to total
             earning assets                                (1.71%)        4.90%        11.13%        15.59%             15.59%



(1)  Includes nonaccrual loans of $927,000, which are spread throughout the
     categories.
(2)  Management has determined that interest checking and savings accounts are
     not as sensitive to changes in related market rates and, therefore, they
     are placed in the 1 to 5 years category.


</TABLE>


Noninterest Income

The Company's noninterest income was $829,300 for the three months ended March
31, 2007, compared to $771,500 for the comparable 2006 period. The Bank's
mortgage banking division posted significant gains in fee income during the
quarter with an increase from $29,600 during the 2006 quarter to $67,500 during
the 2007 comparable quarter. The Company's investment subsidiary also realized
another strong quarter with commission revenue of $92,000 during the period
ended March 2007, compared to $78,400 in 2006. Deposit account fees were
$526,400 during the March 2007 period as compared to $568,700 during the 2006
quarter. This decline resulted primarily from reductions in retail and
commercial overdraft charges during the period. The Company also realized a
$46,600 gain on the sale of investment securities during the quarter.

Provision for Loan Losses

With asset quality remaining strong during the last several quarters, the
Company has not been required to make significant contributions to the provision
for loan loss. The $600 and $16,000 contributed during the March 2007 and 2006
quarters, respectively, primarily related to overdraft deposit accounts.
Management considers the allowance for loan loss to be commensurate with the
risk existing in the Bank's loan portfolio. See Asset Quality for additional
discussion relating to the allowance for loan losses and related risk in the
loan portfolio.


<PAGE>



Noninterest Expense

The Company was able to minimize noninterest expense growth during the March
2007 quarter with a moderate increase of 4.4% over the March 2006 quarter.
Noninterest expense was $1.97 million during the March 2007 quarter, compared to
$1.89 million during the 2006 three month period. Compensation and benefits
expense accounted for the majority of this increase, including increased
commissions paid as a result of the growth in the investment and mortgage
brokerage business lines and normal annual salary and benefit adjustments.
Overall, the Company realized declines in other noninterest expense categories
during the quarter when compared to the 2006 period.


Financial Condition

The Company's total assets were $266.0 million at March 31, 2007, compared to
$260.7 million at December 31, 2006. Growth in net loans and cash balances of
$2.3 million and $2.8 million, respectively, accounted for this increase while
other asset categories remained relatively flat during the period. Despite a
soft real estate market, loan demand continued to be stable during the March
2007 quarter.

Deposits grew to $207.3 million from December 2006 to March 2007. Growth in
demand and savings account balances accounted for the majority of the $6.7
million increase in interest-bearing deposits, while noninterest-bearing
deposits increased by $2.6 million and time deposits were flat during the period

Stockholders' equity was $26.6 million at March 31, 2007, representing an
increase of $427,000 since December 31, 2006. This increase is made up of
comprehensive income of $581,600, consisting primarily of $637,100 of net income
earned during the three month period, offset by common stock dividends of
$174,800 ($0.07 per share) during the period.

During April 2007, the Company declared a $0.07 per share quarterly cash
dividend on its common stock payable on May 1, 2007 to shareholders of record on
April 23, 2007.

Asset Quality

Loans are placed on nonaccrual status when, in the judgment of management, the
probability of interest collection is deemed to be insufficient to warrant
further accrual or the loan reaches 90 days delinquent whereby the loan no
longer accrues interest until it has remained current for six months.

Total nonperforming assets, which consist of nonaccrual loans and foreclosed
properties, adjusted for estimated losses upon sale and the related selling
expenses and holding costs, were $927,000 at March 31, 2007, compared to
$931,000 at December 31, 2006. As to nonaccrual loans existing at March 31,
2007, approximately $13,000 of interest income would have been recognized during
the three months then ended if interest thereon had accrued. The Company has not
identified any loans deemed impaired under the guidelines established by SFAS
No. 114, Accounting by Creditors for Impairment of a Loan, as amended by SFAS
No. 118, Accounting by Creditors for Impairment of a Loan - Income Recognition
and Disclosures.

At March 31, 2007, all loans 60 days or more delinquent, including nonperforming
loans, totaled $1.15 million. In addition, other performing loans, totaling $6.1
million, existed that were current, but had other potential weaknesses that
management considers to warrant additional monitoring. Loans in this category,
along with the delinquent loans, are subject to management attention, and their
status is reviewed on a regular basis.

The following table details information concerning nonaccrual and past due
loans, as well as foreclosed assets.


<TABLE>

                                     Nonperforming Assets

                                                     March 31,              December 31,
(Dollars In Thousands)                                2007                      2006
                                             ----------------------    -----------------------
<S><C>


Nonaccrual loans:
         Commercial                             $              72        $               73
         Real estate mortgage                                 816                       832
         Home equity lines of credit                           39                        24
         Consumer                                             -                           2
                                             ----------------------    -----------------------

         Total nonaccrual loans                               927                       931
Other real estate owned                                       -                         -
                                             ----------------------    -----------------------

         Total nonperforming assets             $             927        $              931
                                             ======================    =======================

Loans past due 90 or more days
         accruing interest                                    -                         -
Allowance for loan losses to
         nonaccrual loans                                  308.41%                   308.59%
Nonperforming assets to period end
         loans and other real estate owned                   0.44%                     0.44%



</TABLE>



<PAGE>



Set forth below is a table detailing the allowance for loan losses for the
periods indicated.


<TABLE>

                                Allowance for Loan Losses


                                                               March 31,
                                                 ------------------------------------
(Dollars In Thousands)                                  2007                2006
                                                 ----------------    ----------------

<S><C>

Balance, beginning of period                      $        2,873      $        2,851
Loans charged off:
         Commercial                                          -                   -
         Real estate mortgage                                -                   -
         Consumer                                            (56)                (48)
                                                 ----------------    ----------------

         Total loans charged-off                             (56)                (48)
                                                 ----------------    ----------------

Recoveries:
         Commercial                                          -                   -
         Real estate mortgage                                -                   -
         Consumer                                             42                  24
                                                 ----------------    ----------------

         Total recoveries                                     42                  24
                                                 ----------------    ----------------

Net recoveries (charge-offs)                                 (14)                (24)
Provision for loan losses                                    -                    40
                                                 ----------------    ----------------

Balance, end of period                            $        2,859      $        2,867
                                                 ================    ================

Allowance for loan losses to loans
         outstanding at end of period                       1.34%               1.41%

Allowance for loan losses to nonaccrual
         loans outstanding at end of period               308.41%             317.15%

Net charge-offs (recoveries) to average loans
         outstanding during period                          0.01%               0.01%



</TABLE>


Liquidity and Capital Resources

Liquidity represents the Company's ability to meet present and future
obligations through the sale and maturity of existing assets or the acquisition
of additional funds through liability management. Liquid assets include cash,
interest-bearing deposits with banks, federal funds sold, available-for-sale
investments and investments and loans maturing within one year. In addition to
liquid assets, the Company maintains several lines of credit with other
institutions, the largest of which is with the Federal Home Loan Bank of
Atlanta, and is able to draw on other wholesale funding sources, such as the
brokered certificate of deposit market, to support liquidity. The Company's
ability to obtain deposits and purchase funds at favorable rates determines its
liability liquidity.


<PAGE>



At March 31, 2007, the Company had outstanding loan, line of credit and letter
of credit commitments of $37.0 million. Scheduled maturities of certificate of
deposits during the twelve months following March 31, 2007 amounted to $80.5
million. Historically, the Company has been able to retain a significant amount
of its deposits as they mature. As a result of the Company's management of
liquid assets and the ability to generate liquidity through liability funding,
management believes that the Company maintains overall liquidity that is
sufficient to satisfy its depositors' requirements and meet its customers'
credit needs.

Total cash and cash equivalents increased $2.8 million for the three months
ended March 31, 2007, compared to a decrease of $762,900 for the three months
ended March 31, 2006. Net cash from operating activities was $410,400 for the
three months ended March 31, 2007, compared to $640,200 during the same period
of 2006. The changes reflect the earnings growth experienced during the period
and other fluctuations in normal operating activities.

Net cash used in investing activities was $2.6 million during the three months
ended March 31, 2007, compared to net cash from investing activities of $8.4
million for the three months ended March 31, 2006. Stronger loan growth during
the first three months of 2006 than what occurred during 2007 constituted the
majority of the difference.

Net cash from financing activities was $5.0 million for the three months ended
March 31, 2007, compared to net cash from financing activities of $7.0 million
for the three months ended March 31, 2006. Less growth in time deposits offset
by an increase in demand deposits during the March 2007 three month period
represented the majority of this decrease.

The Company is subject to various capital requirements administered by the
regulatory banking agencies. Failure to meet minimum capital requirements can
initiate certain mandatory and possibly additional discretionary actions by
regulators that, if undertaken, could have a direct material effect on the
Company's financial statements. Under capital adequacy guidelines and the
regulatory framework for prompt corrective action, the Company and its banking
subsidiary must meet specific capital guidelines that involve quantitative
measures of assets, liabilities, and certain off-balance-sheet items as
calculated under regulatory accounting practices. Additionally, certain
restrictions exist on dividends paid and loans or advances made by the Bank to
the Company. The total amount of dividends that may be paid at any date is
generally limited to the retained earnings for the Bank, and loans and advances
are limited to 10 percent of the Bank's capital and surplus on a secured basis.
The Bank paid $700,000 of dividends to the Company during the first three months
of 2007, while it paid $1.0 million in dividends to the Company during the three
months ended March 31, 2006. At March 31, 2007, the Bank's retained earnings
available for the payment of dividends was $5.2 million. The capital amounts and
classification are also subject to qualitative judgments by the regulators about
components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy
require the Company and its banking subsidiary to maintain minimum amounts and
ratios of total and Tier I capital (as defined in the regulations) to
risk-weighted assets (as defined), and of Tier I capital (as defined) to average
assets (as defined). At March 31, 2007, the Company meets all capital adequacy
requirements to which it is subject.


<PAGE>



The following table details the components of Tier 1 and Tier 2 capital and
related ratios at March 31, 2007 and December 31, 2006.


<TABLE>

                                                   Analysis of Capital

                                                                             March 31,                  December 31,
(Dollars In Thousands)                                                          2007                        2006
                                                                      -------------------------   -------------------------
<S><C>

Tier 1 Capital:
         Common stock                                                   $                  687      $                  687
         Additional paid-in capital                                                      8,392                       8,373
         Retained earnings                                                              17,416                      16,953
         Accumulated other comprehensive income                                             58                         113
                                                                      -------------------------   -------------------------
                 Total capital (GAAP)                                                   26,553                      26,126
         Less: InIntangibles                                                              (387)                       (402)
         Net unrealized gain on debt and equity securities                                 (58)                       (113)
                                                                      -------------------------   -------------------------
                 Total Tier 1 capital                                                   26,108                      25,611


Tier 2 Capital:
         Allowable allowances for loan losses                                            2,293                       2,269
         Net unrealized gains on equity securities                                         113                         180
                                                                      -------------------------   -------------------------
                 Total Tier 2 capital                                   $               28,514      $               28,060
                                                                      =========================   =========================

Risk-weighted assets                                                    $              186,161      $              185,991

Capital Ratios (1):
         Tier 1 risk-based capital ratio                                                14.02%                      13.77%
         Total risk-based capital ratio                                                 15.32%                      15.09%
         Tier 1 capital to average adjusted
                 total assets                                                           10.10%                       9.93%


</TABLE>

Impact of Accounting Pronouncements

  In July 2006, the FASB issued FASB Interpretation No. 48, "Accounting for
  Uncertainty in Income Taxes--an interpretation of FASB Statement 109," ("FIN
  48"). FIN 48 clarifies the accounting for uncertainty in income taxes
  recognized in an entity's financial statements in accordance with Statement of
  Financial Accounting Standards No. 109. The interpretation provides guidance
  on the measurement, recognition, and disclosure of tax positions taken or
  expected to be taken in a tax return. FIN 48 prescribes that a tax position
  should only be recognized if it is more-likely-than-not that the position will
  be sustained upon examination by the appropriate taxing authority. A tax
  position that meets this threshold is measured as the largest amount of
  benefit that is more likely than not (greater than 50 percent) realized upon
  ultimate settlement. The interpretation also provides guidance on
  derecognition, classification, interest and penalties and disclosure. The
  Company adopted FIN 48 effective January 1, 2007. The effect of applying the
  provisions of the interpretation to the Company's financial statements was
  immaterial.

  In February 2007, the FASB issued SFAS 159, "The Fair Value Option for
  Financial Assets and Financial Liabilities, including an amendment of FASB
  Statement No. 115", which permits entities to choose to measure many financial
  instruments and certain other items at fair value and also establishes fair
  presentation and disclosure requirements designed to facilitate comparisons
  between entities that choose different measurement attributes for similar
  types of assets and liabilities. SFAS 159 is effective for financial
  statements issued for fiscal years beginning after November 15, 2007. The
  Company is assessing the impact, if any, that adoption will have on its
  financial statements.



<PAGE>





Item 3 - Quantitative and Qualitative Disclosures about Market Risk

The Company uses a third party provider to perform computer modeling
methodologies that assist in determining the overall magnitude of interest
sensitivity risk. Based on these methodologies, management formulates policies
governing asset generation and pricing, funding sources and pricing, and
off-balance-sheet commitments in order to reduce sensitivity risk. Management
considers the current interest rate environment, the state of the local and
national economy and other financial and business risk factors when making these
decisions.

The modeling methodologies used measure interest rate sensitivity by analyzing
the potential impact on net interest income under various interest rate
scenarios. One such scenario would assume a hypothetical 200 basis point
instantaneous and parallel shift in the interest rate yield curve. Accordingly,
management modeled the impact of a 200 basis point decline in interest rates and
a 200 basis point increase in interest rates at March 31, 2007. In the model, a
200 basis point instantaneous and parallel decrease in the yield curve in
interest rates would cause net interest income to decrease by $249,000, while a
200 basis point instantaneous and parallel increase in the yield curve in
interest rates would cause net interest income to increase by $29,000.

The computer model uses a standard algebraic formula for calculating present
value. The calculation discounts the future cash flows of the Company's
portfolio of interest rate sensitive instruments to present value utilizing
techniques designed to approximate current market rates for securities, current
offering rates for loans, and the cost of alternative funding for the given
maturity of deposits and then assumes an instantaneous and parallel shift in
these rates. The difference between these numbers represents the resulting
hypothetical change in the fair value of interest rate sensitive instruments.

As with any modeling techniques, certain limitations and shortcomings are
inherent in the Company's methodology. Significant assumptions must be made in
the calculation including: (1) growth in volume or balance sheet mix; (2)
constant market interest rates reflecting the average rate from the last month
of the given quarter; and (3) pricing spreads to market rates derived from an
historical analysis, or from assumptions by instrument type. Additionally, the
computations do not contemplate certain actions management could undertake in
response to changes in interest rates.


Item 4 - Controls and Procedures

Under the supervision and with the participation of our management, including
our principal executive officer and principal financial officer, we have
evaluated the effectiveness of the design and operation of our disclosure
controls and procedures as of the end of the quarter. Based on that evaluation,
our principal executive officer and principal financial officer have concluded
that these controls and procedures are effective. There were no significant
changes in our internal controls or in other factors that could significantly
affect these controls subsequent to the date of their evaluation.

Controls and other procedures are designed to ensure that information required
to be disclosed by us in the reports that we file or submit under the Exchange
Act is accumulated and communicated to our management, including our principal
executive officer and principal financial officer, as appropriate, to allow
timely decisions regarding required disclosure.


<PAGE>



                           PART II - OTHER INFORMATION

Item 1 - Legal Proceedings

In the ordinary course of its operations, the Company is a party to various
legal proceedings. Based upon information currently available, management
believes that such legal proceedings, in the aggregate, will not have a material
adverse effect on the business, financial condition, or results of operations of
the Company.

Item 1A - Risk Factors

There has been no material changes in the risk factors as previously disclosed
in response to Item 1A. Part I of the Company's December 31, 2006 Form 10-K.

Item 2 - Unregistered Sales of Equity Securities and Use of Proceeds

None.

Item 3 - Defaults Upon Senior Securities

Not applicable.

Item 4 - Submission of Matters to a Vote of Stockholders

None.

Item 5 - Other Information

None.

Item 6 - Exhibits

     (a)   Certifications   pursuant   to   subsections   302  and  906  of  the
Sarbanes-Oxley  Act of 2002.
     (b) Form 8-K was filed during January 2007 relative to the Company's
December 31, 2006 earnings release dated January 23, 2007.


<PAGE>



                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, this report
has been signed below by the following persons on behalf of the Registrant and
in the capacities and on the dates indicated.


/s/ Scott C. Harvard                                              May 14, 2007
------------------------------------------------------------------------------
Scott C. Harvard
President and
Chief Executive Officer

/s/ Steven M. Belote                                              May 14, 2007
------------------------------------------------------------------------------
Steven M. Belote
Vice President and
Chief Financial Officer


<PAGE>



                                                                   Exhibit 31.1

                                 CERTIFICATIONS


I, Scott C. Harvard, certify that:

      1. I have reviewed this quarterly report on Form 10-Q of Shore Financial
Corporation;

      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 registrant as
of, and for, the periods presented in this report;


      4. The registrant'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 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 (the registrant's fourth fiscal
        quarter in the case of an annual report) 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(s) 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 the
registrant'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 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: May 14, 2007
                                     /s/ Scott C. Harvard
                                     Scott C. Harvard
                                     ------------------------------------
                                     President and Chief Executive Officer

<PAGE>



                                                                   Exhibit 31.2

                                 CERTIFICATIONS


I, Steven M. Belote, certify that:

      1. I have reviewed this quarterly report on Form 10-Q of Shore Financial
Corporation;

      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 registrant as
of, and for, the periods presented in this report;


      4. The registrant'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 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 (the registrant's fourth fiscal
        quarter in the case of an annual report) 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(s) 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 the
registrant'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 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: May 14, 2007
                                     /s/ Steven M. Belote
                                     ---------------------------------------
                                     Steven M. Belote
                                     Chief Financial Officer and Vice President

<PAGE>




                                                                   Exhibit 32.1



                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


         In connection with the Quarterly Report of Shore Financial Corporation
(the "Company") on Form 10-Q for the three months ended March 31, 2007 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, Scott C. Harvard, Chief Executive Officer of the Company, certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, to the best of my knowledge, that:

         (1)      The Report fully complies with the requirements of
Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and result of operations of the
Company.


                                     /s/ Scott C. Harvard
                                     -----------------------------------------
                                     Scott C. Harvard
                                     President and Chief Executive Officer

Date:  May 14, 2007





This certificate accompanies this Quarterly Report on Form 10-Q pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002 and will not be deemed "filed" by
the Company for purposes of Section 18 of the Securities Exchange Act of 1934,
as amended.


<PAGE>


                                                                   Exhibit 32.1



                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


         In connection with the Quarterly Report of Shore Financial Corporation
(the "Company") on Form 10-Q for the three months ended March 31, 2007 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, Steven M. Belote, Chief Financial Officer of the Company, certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, to the best of my knowledge, that:

         (1)      The Report fully complies with the requirements of
Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and result of operations of the
Company.


                                     /s/ Steven M. Belote
                                     -----------------------------------------
                                     Steven M. Belote
                                     Chief Financial Officer

Date:  May 14, 2007





This certificate accompanies this Quarterly Report on Form 10-Q pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002 and will not be deemed "filed" by
the Company for purposes of Section 18 of the Securities Exchange Act of 1934,
as amended.