### **Exhibit 31.1**

**SARBANES-OXLEY ACTSECTION 302 CERTIFICATION**

**OFCHIEF EXECUTIVE OFFICER**

I, Kenneth J. Cosgrove, Chief Executive Officer, certify that:

 

1.          I have reviewed this annual report on Form 10-KSB ofPremier Commercial Bancorp (the “Company”);

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

3.                               Basedon my knowledge, the financial statements, and other financial informationincluded in this annual report, fairly present in all material respects thefinancial condition, results of operations and cash flows of the Company as of,and for, the periods presented in this annual report;

4.                               TheCompany’s other certifying officer and I are responsible for establishing andmaintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-14 and 15d-14) for the Company and have:

(a)                          Designedsuch disclosure controls and procedures to ensure that material informationrelating to the Company, including its consolidated subsidiaries, is made knownto us by others within those entities, particularly during the period in whichthis annual report is being prepared;

(b)                         Evaluatedthe effectiveness of the Company’s disclosure controls and procedures as of adate within 90 days prior to the filing date of this annual report (the“Evaluation Date”); and

(c)                          Presentedin this annual report our conclusions about the effectiveness of the disclosurecontrols and procedures based on our evaluation as of the Evaluation Date;

5.                               TheCompany’s other certifying officer and I have disclosed, based on our mostrecent evaluation, to the Company’s auditors and the audit committee of theCompany’s board of directors:

(a)                          Allsignificant deficiencies in the design or operation of internal controls whichcould adversely affect the Company’s ability to record, process, summarize andreport financial data and have identified for the Company’s auditors anymaterial weaknesses in internal controls; and

(b)                         Anyfraud, whether or not material, that involves management or other employees whohave a significant role in the Company’s internal controls; and

6.                               TheCompany’s other certifying officer and I have indicated in this annual reportwhether or not there were significant changes in internal controls or in otherfactors that could significantly affect internal controls subsequent to thedate of our most recent evaluation, including any corrective actions withregard to significant deficiencies and material weaknesses.

 
| Date: March 30, 2007 | By:    | /s/ Kenneth J. Cosgrove                         |
|----------------------|--------|-------------------------------------------------|
|                 |   |     Kenneth J. Cosgrove     |
|                 |   |     Chief Executive Officer |

 

 

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