Exhibit 31.1

                               Certifications

      I, Santo P. Pasqualucci, certify that:


1.    I have reviewed this quarterly report on Form 10-QSB of Falmouth
      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 company as of, and for, the periods presented in this
      report.

4.    The company's other certifying officer 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 company 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 company, 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 control over financial reporting, or
            caused such internal control 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 principals;

      (c)   Evaluated the effectiveness of the company'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

      (d)   Disclosed in the report any change in the issuer's internal
            control over financial reporting that occurred during the
            period covered by the quarterly report that has materially
            affected, or is reasonably likely to materially affect, the
            issuer's internal control over financial reporting; and

5.    The company's other certifying officer and I have disclosed, based on
      our most recent evaluation of internal control over financial
      reporting, to the company's auditors and the


<PAGE>  20


      audit committee of the company's board of directors (or persons
      performing the equivalent functions):

      (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
            company'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 company's
            internal control over financial reporting.

Date: August 13, 2003                     By: /s/ Santo P. Pasqualucci
     ----------------                         ------------------------
                                          Santo P. Pasqualucci
                                          President and
                                          Chief Executive Officer


<PAGE>  21


      I, George E. Young III, certify that:

1.    I have reviewed this quarterly report on Form 10-QSB of Falmouth
      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 company as of, and for, the periods presented in this
      report.

4.    The company's other certifying officer 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 company 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 company, 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 control over financial reporting, or
            caused such internal control 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 principals;

      (c)   Evaluated the effectiveness of the company'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

      (d)   Disclosed in the report any change in the issuer's internal
            control over financial reporting that occurred during the
            period covered by the quarterly report that has materially
            affected, or is reasonably likely to materially affect, the
            issuer's internal control over financial reporting; and

5.    The company's other certifying officer and I have disclosed, based on
      our most recent evaluation of internal control over financial
      reporting, to the company's auditors and the audit committee of the
      company's board of directors (or persons performing the equivalent
      functions):


<PAGE>  22


      (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
            company'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 company's
            internal control over financial reporting.

Date: August 12, 2003                     By: /s/ George E. Young, III
     -----------------                        ------------------------
                                          George E. Young, III
                                          Senior Vice President and
                                          Chief Financial Officer


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