EXHIBIT 31.1

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER

   Pursuant to Rules 13a-14 and 15d-14 of the Securities Exchange Act of 1934
               and Section 302 of the Sarbanes-Oxley Act of 2002

I, Edward J. Molnar, certify that:

1.    I have reviewed this annual  report on Form 10-K of  Harleysville  Savings
      Financial Corporation (the "registrant");

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  officers 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 the end of
      the period covered by this report based on such evaluation; and

(c)   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 reasonably  likely to
      materially  affect,  the  registrant's  internal  control  over  financial
      reporting; and

5.    The registrant's other certifying officers 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 functions):

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(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: December 17, 2004              /s/ Edward J. Molnar
                                     ------------------------------------------
                                     Edward J. Molnar
                                     Chief Executive Officer