Exhibit 31.2

CERTIFICATION

I, Joseph F. Hurley, certify that:
1	.	I have reviewed this quarterly report on Form 10-Q of Lakeland 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 officer(s) 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 officer 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 the registrant'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 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: August 6, 2004

/s / Joseph F. Hurley

Joseph F. Hurley

Executive Vice President and Chief Financial Officer

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