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EXHIBIT 31.2

                                  CERTIFICATION

I, Jeffrey T. Hanuscin, Chief Financial Officer, certify that:

        1.      I have reviewed this annual report on Form 10-K of Royal
                Bancshares of Pennsylvania;

        2.      Based on my knowledge, the annual 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 Rules 13a-15(e) and
                15d-15(e)) internal control over financial reporting for the
                registrant and have:

                a)  Designed such disclosure controls and procedures, or caused
                    such disclosure controls 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, or
                    caused such internal control over financial reporting to be
                    designed under our supervision, 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 materially affected, or is reasonably likely to
                    materially affect, the registrant's internal control over
                    financial reporting.

        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 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 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.


        Dated: March 14, 2005
        /s/ Jeffrey T. Hanuscin
        -----------------------
        Chief Financial Officer