Exhibit 31.1

                                CERTIFICATION

      I, Ralph W. Dunham, certify that:

1.    I have reviewed this annual report on Form 10-K of Mystic Financial,
      Inc. (the "Company");

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

4.    The Company'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
      Company 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 Company, 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 Company'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 Company's internal
            control over financial reporting that occurred during the
            fourth fiscal quarter that has materially affected, or is
            reasonably likely to materially affect, the Company's internal
            control over financial reporting; and

5.    The Company's other certifying officer(s) and I have disclosed, based
      on our most recent evaluation of internal control over financial
      reporting, to the Company's auditors and the audit committee of the
      Company'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
            Company'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 Company's
            internal control over financial reporting.


Date:  September 15, 2004              /s/ Ralph W. Dunham
                                       ------------------------------------
                                       Ralph W. Dunham
                                       President and Chief Executive
                                       Officer


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                                CERTIFICATION

      I, Anthony J. Patti, certify that:

1.    I have reviewed this annual report on Form 10-K of Mystic Financial,
      Inc. (the "Company");

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

4.    The Company'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
      Company 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 Company, 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 Company'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 Company's internal
            control over financial reporting that occurred during the
            fourth fiscal quarter that has materially affected, or is
            reasonably likely to materially affect, the Company's internal
            control over financial reporting; and

5.    The Company's other certifying officer(s) and I have disclosed, based
      on our most recent evaluation of internal control over financial
      reporting, to the Company's auditors and the audit committee of the
      Company'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
            Company'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 Company's
            internal control over financial reporting.


Date:  September 15, 2004              /s/ Anthony J. Patti
                                       ------------------------------------
                                       Anthony J. Patti
                                       Chief Financial Officer and
                                       Treasurer


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