SECTION 302 CERTIFICATION

     I, Stephen M. Gagliardi, certify that:

  1. I have  reviewed  this annual  report on Form  10-KSB of Advance  Financial
  Bancorp;

  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  and I are  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 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 (as defined in Exchange Act Rules 13a-15(f))
  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  evaluation of internal control over financial  reporting,  to
  the registrant's auditors and the audit committee of the 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:  September 21, 2004             /s/Stephen M. Gagliardi
                                        ----------------------------------------
                                        Stephen M. Gagliardi
                                        President and Chief Executive Officer

<PAGE>

                            SECTION 302 CERTIFICATION

     I, Stephen M. Magnone,  certify that:

  1. I have  reviewed  this annual  report on Form  10-KSB of Advance  Financial
  Bancorp ;

  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  and I are  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 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 (as defined in Exchange Act Rules 13a-15(f))
  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  evaluation of internal control over financial  reporting,  to
  the registrant's auditors and the audit committee of the 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:  September 21, 2004                 /s/Stephen M. Magnone
                                            ------------------------------------
                                            Stephen M. Magnone
                                            Chief Financial Officer