EXHIBIT 31.3

                            CERTIFICATION PURSUANT TO
                 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002


I, Robert B. Briscoe certify that:

1. I have reviewed this 2003 Annual Report on Form 10-K (Annual Report) of The
   Savannah Bancorp, 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
   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)) and internal control over
   financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)
   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) Designed such internal controls over financial reporting or caused such
   internal controls 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 based on such evaluation presented in this report our
   conclusions about the effectiveness of the disclosure controls and procedures
   based on our evaluation as of the end of the period covered by this report;
   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 that has materially affected, or is reasonably likely to materially
   affect, the registrant's internal control over financial reporting; and

5. Based on our most recent evaluation, the registrant's other certifying
   officers and I have disclosed, to the registrant's auditors and the audit
   committee of registrant'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 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:   March 23, 2004       /s/ Robert B. Briscoe     Chief Financial Officer
                                 Robert B. Briscoe