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                                   Exhibit 31
                     Rule 13a-14(a)/15d-14(a) Certification

I, Mary B. Halsey, certify that:

1.   I have reviewed this report on Form 10-KSB of Cecil Bancorp, Inc.

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 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)) for
     the small business issuer and have:

     a)   Designed such disclosure controls and procedures, or caused such
          disclosure controls and procedures to be designed under my
          supervision, to ensure that material information relating to the small
          business issuer, including its consolidated subsidiaries, is made
          known to me by others within those entities, particularly during the
          period in which this report is being prepared;

     b)   N/A

     c)   Evaluated the effectiveness of the small business issuer's disclosure
          controls and procedures and presented in this report my conclusions
          about the effectiveness of the disclosure controls and procedures as
          of the end of the period covered by this report based upon such
          evaluation; and

     d)   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 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 my most recent evaluation of internal control
     over financial reporting, to the small business issuer's auditors and the
     audit committee of the 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 controls over financial reporting which are
          reasonably likely to adversely affect the small business issuer'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 in the small business
          issuer's internal control over financial reporting.


By: /s/ Mary B. Halsey                                          March 22, 2005
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   Mary B. Halsey                                                    Date
   President and Chief Executive Officer
   (Principal Executive Officer and
   Principal Financial Officer)