Exhibit 31.2


                   Certification of Chief Financial Officer
           Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
           ---------------------------------------------------------

     I, Thomas M. Coughlin, Chief Financial Officer, certify that:

1. I have reviewed  this Quarterly Report on Form 10-Q of BCB Bancorp,
   Inc.;

2. Based on my knowledge, this quarterly 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 quarterly report;

3. Based on my knowledge, the financial statements, and other
   financial information included in this quarterly 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 quarterly report;

4. The registrant's other certifying officers 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 quarterly report
      is being prepared;

   b) evaluated the effectiveness of the registrant's disclosure
      controls and procedures and presented in this quarterly
      report our conclusions about the effectiveness of the
      disclosure controls and procedures, as of the end of the
      period covered by this quarterly report based on such
      evaluation; and

   c) disclosed in this quarterly 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;

5. The registrant's other certifying officers 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
   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.


August 9, 2004                /s/ Thomas M. Coughlin
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                              Thomas M. Coughlin
                              Chief Financial Officer


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