Exhibit 31
                                   ----------

                            CERTIFICATION PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002


I, Pamela M. Cyr , President and Chief Executive Officer, certify that:

1. I have reviewed this  quarterly  report on Form 10-QSB of SE Financial  Corp.
(Registrant);

2. Based on my  knowledge,  this  quarterly  report  does not contain any untrue
statement of a material fact or omit to state a material fact  necessary to make
the statements made, in light of the  circumstances  under which such statements
were made, not  misleading  with respect to the period covered by this quarterly
report;

3.  Based  on my  knowledge,  the  financial  statements,  and  other  financial
information  included in this quarterly  report,  fairly present in all material
respects the financial  condition,  results of operations  and cash flows of the
Registrant as of, and for, the periods presented in this quarterly report;

4. I am responsible for  establishing  and maintaining  disclosure  controls and
procedures  (as defined in Exchange Act Rule  13a-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 my  supervision,  to
ensure that  material  information  relating to the  Registrant,  including  its
consolidated subsidiaries,  is made known to me by others within those entities,
particularly during the period in which this quarterly report is being prepared;

         b) evaluated the effectiveness of the Registrant's  disclosure controls
and procedures and presented in this quarterly  report my 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 that has materially  affected,  or is reasonably likely to
materially affect, the Registrant's  internal control over financial  reporting;
and

5. I have disclosed, based on my most recent evaluation of internal control over
financial  reporting  (as  defined  in  Exchange  Act  Rule  13a-15(f)),  to the
Registrant's   auditors  and  the  audit  committee  of  Registrant's  board  of
directors:

         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: March 19,  2007    /s/Pamela M. Cyr
                         -------------------------------------------------------
                         Pamela M. Cyr
                         President & Chief Executive Officer
                         (Principal executive, financial and accounting officer)