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Citizens Effingham Bancshares, Inc. and Subsidiary
 Certification Pursuant to 18 U.S.C. Section 1350 as Adopted
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
For the Six Months Ended June 30, 2005
 Exhibit 31.1
  1.
    
    I have reviewed this Form 10-QSB of Citizens Effingham Bancshares, 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 small business issuer as of, and for the periods presented in
this report;4.
    
    I am 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 small business issuer and I
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 small business issuer, 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 small business issuer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; andd)
    
    disclosed in this report any change in the small business issuers internal control over financial
reporting that occurred during the small business issuers most recent fiscal quarter (the
small business issuers fourth fiscal quarter in the case of an annual report) that has materially
affected, or is reasonably likely to materially affect, the small business issuers internal control
over financial reporting; and
 5.
    
    I have disclosed, based on our most recent evaluation of internal control over financial
reporting, to the small business issuers auditors and the audit committee of small business issuer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 small business issuers ability to record, process, summarize and report financial information;
andb)
    
    any fraud, whether or not material, that involves management or other employees who
have a significant role in the small business issuers internal control over financial reporting.