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 30, 2004
   -------------------                                           --------------
    Mary B. Halsey                                                     Date
    President and Chief Executive Officer
    (Principal Executive Officer and Principal Financial Officer)