EXHIBIT 31.2

CERTIFICATION OF CHIEF FINANCIAL 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, Brendan J. McGill certify that:

1. I have reviewed this quarterly  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/ Brendan J. McGill
                                           -------------------------------------
                                           Brendan J. McGill
                                           Senior Vice-President and
                                             Chief Financial Officer