Exhibit
99.302

                      SECTION 302 CERTIFICATIONS


I,  William F. Casey, Jr., certify that:

1.  I have reviewed this report on Form N-CSR of Co-operative
Bank Investment Fund;

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, changes in net assets, and cash flows
(if the financial statements are required to include a statement
of 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 rule 30a-3(c) under the Investment
Company Act of 1940) 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 control over financial reporting, or
caused such internal control over financial reporting to be
designed under our supervision, to provide reasonable assurance
reguarding 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 presented in this report our
conclusions about the effectiveness of the disclosure controls
and procedures, as of a date within 90 days prior to the filing
date of this report  based on such evaluation; 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 half-year (the registrant`s
second fiscal half-year in the case of an annual report) that has
materially affected, or is reasonably likely to material affect,
the registrant`s internal control over financial reporting; and


5.  The registrant`s other certifying officer(s) and I have
disclosed 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: March  9, 2005

/s/   William F. Casey, Jr.
President








Exhibit
99.302

        SECTION 302 CERTIFICATIONS


I,  Susan L. Ellis, certify that:

1.  I have reviewed this report on Form N-CSR of Co-operative
Bank Investment Fund;

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, changes in net assets, and cash flows (if the
financial statements are required to include a statement of
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 rule 30a-3(c) under the Investment
Company Act of 1940) 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 control over financial reporting, or
caused such internal control over financial reporting to be
designed under our supervision, to provide reasonable assurance
reguarding 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 presented in this report our
conclusions about the effectiveness of the disclosure controls
and procedures, as of a date within 90 days prior to the filing
date of this report  based on such evaluation; 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 half-year (the registrant`s
second fiscal half-year in the case of an annual report) that
has materially affected, or is reasonably likely to material
affect, the registrant`s internal control over financial
reporting; and

5.  The registrant`s other certifying officer(s) and I have
disclosed 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: March 9, 2005

/s/   Susan L. Ellis
Treasurer