SECTION 302 CERTIFICATION


         I, John S. Fiore, President and  Chief  Executive  Officer  of  Synergy
Financial Group, Inc., certify that:

1.       I have  reviewed  this  quarterly  report  on Form  10-QSB  of  Synergy
         Financial Group, 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  officer and I are responsible for
         establishing  and  maintaining  disclosure  controls and procedures (as
         defined in Exchange Act Rules 13a-14 and 15d-14) 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 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  report our
                  conclusion about the effectiveness of the disclosure  controls
                  and  procedures,  as of the end of the period  covered by this
                  report 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  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  officer and I have disclosed,  based
         on our most  recent  evaluation  of  internal  control  over  financial
         reporting  (as  defined  in  Exchange  Act  Rules  13a-15(f)),  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  in  the  design  and  material
                  weaknesses  in the design or  operation  of internal  controls
                  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 controls over financial reporting.

Date:    August 14, 2003                   /s/John S. Fiore
                                           -------------------------------------
                                           John S. Fiore
                                           President and Chief Executive Officer