SECTION 302 CERTIFICATION


         I, Ralph A. Fernandez, Vice  President  and  Chief Financial 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/Ralph A. Fernandez
                                      ------------------------------------------
                                      Ralph A. Fernandez
                                      Vice President and Chief Financial Officer