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

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


I, Pamela M. Cyr , President  and Chief  Executive  Officer and Chief  Financial
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 Rules 13a-15(e)) for the Registrant and I
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 Rules  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: June 10, 2005                /s/ Pamela M. Cyr
      -------------                -------------------------------------------
                                   Pamela M. Cyr
                                   President, CEO and Chief Financial Officer
                                   (Principal Executive and Financial &
                                   Accounting Officer)