EXHIBIT 99.4
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                   CONSENT OF PERSON ABOUT TO BECOME DIRECTOR
         PURSUANT TO RULE 438 OF THE SECURITIES ACT OF 1933, AS AMENDED

      I, George S. Callas, hereby consent to being named as a nominee for
director of Central Jersey Bancorp in the Joint Proxy Statement/Prospectus of
Monmouth Community Bancorp and Allaire Community Bank, as filed with the
Securities and Exchange Commission on October 1, 2004 as part of a
Registration Statement on Form S-4 of Monmouth Community Bancorp, and in any
amendments or supplements thereto.

                                        /s/ George S. Callas
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                                        George S. Callas