Exhibit 31.1
CERTIFICATIONS FURNISHED PURSUANT TO SECTION 302
OF THE SARBANES-OXLEY ACT OF 2002
I, Joseph F. MacDonough, certify that:
1. I have reviewed this quarterly report on Form 10-QSB of
Westborough Financial Services, 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(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)) 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 principles;
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 this 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(s) 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):
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 14, 2003 /s/ Joseph F. MacDonough
-------------------------------------
Joseph F. MacDonough
President and Chief Executive Officer
I, John L. Casagrande, certify that:
1. I have reviewed this quarterly report on Form 10-QSB of
Westborough Financial Services, 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(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)) 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
principles;
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 this 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(s) 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):
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 14, 2003 /s/ John L. Casagrande
--------------------------------
John L. Casagrande
Senior Vice President, Treasurer
and Clerk