Exhibit 31.2

                                  CERTIFICATION

I,  Brian J. Hull,  Executive  Vice  President,  Treasurer  and Chief  Financial
Officer of SI Financial Group, Inc., certify that:

1.    I have  reviewed  this annual  report on Form 10-K of SI Financial  Group,
      Inc. ("the registrant");

2.    Based on my  knowledge,  this  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)) 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 a date
      within 90 days prior to the filing of this annual report (the  "evaluation
      date"), based on such evaluation; and

            (c) Disclosed in this report any change in the registrant's internal
      control over financial  reporting that occurred as of the evaluation  date
      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 (or persons performing the equivalent functions):

            (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.


March 25, 2005           /s/ Brian J. Hull
                         -----------------------------------
                         Brian J. Hull
                         Executive Vice President, Treasurer and Chief Financial
                         Officer