Exhibit 31.2

                         CERTIFICATION

     I, John Carrozza, Chief Financial Officer of PSB Bancorp,
Inc., certify that:

     1.  I have reviewed this quarterly report on Form 10-Q of
PSB Bancorp, Inc.;

     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(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)) and internal control over financial reporting (as
defined in Exchange Act Rules 13a-15(f) and 15d-15(f) 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)  Designed such internal control over financial
      reporting to be designed under our supervision, or caused
      such internal control over financial reporting to
      provide reasonable assurance regarding the reliability
      of financial reporting and the preparation of financial
      statements for external purposes in accordance with
      generally accepted accounting principles.

         (c)  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

         (d)  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
(the registrant's fourth fiscal quarter in the case of an annual
report) that has materially affected, or is reasonable likely to
materially affect, the registrant's internal control over
financial reporting; and

     5.  The registrant's other certifying officer(s) 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 registrant's board of directors (or
persons performing the equivalent function):

         (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:  August 14, 2003

                              /s/John Carrozza
                              --------------------------------
                              John Carrozza
                              Chief Financial Officer