Exhibit
      31.1






Rule
      13a-14(a)
      CERTIFICATIONS






I,
      P.
      Douglas Richard, certify that:






1.
      I have
      reviewed this quarterly report on Form 10-Q of Community Financial Corporation
      (the "Registrant");






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 consolidated financial statements, and other financial
      information included in this report, fairly present in all material respects
      the
      consolidated 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 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; and






c)
      disclosed in this report any changes in the Registrant's internal control over
      financial reporting that occurred during the Registrant's most recent fiscal
      quarter that has materially affected, or is reasonably likely to materially
      affect, the Registrant's internal control over financial reporting; and






5.
      The
      Registrant's other certifying officer and I have disclosed, based on our most
      recent of evaluation of internal control over financial reporting, to the
      Registrant's auditors and the audit committee of Registrant's board of directors
      (or persons performing the equivalent functions):






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:
      February 12, 2008






/s/
      P. Douglas
      Richard


P.
      Douglas Richard


President
      and Chief Executive Officer