CERTIFICATION

     I, William M. Tandy,  Chief  Executive  Officer of Community First Bancorp,
Inc., certify that:

     1. I have reviewed this quarterly  report on Form 10-QSB of Community First
Bancorp, Inc.;

     2.  Based  upon 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 small business
issuer as of, and for, the periods presented in this report;

     4.  The  small  business  issuer's  other  certifying  officer  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 small
business issuer 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  small  business  issuer,
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)  Evaluated   the   effectiveness   of  the small  business  issuer'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;

        (c) Disclosed  in this report any change in the small business  issuer's
internal  control  over  financial  reporting  that  occurred  during  the small
business issuer's most recent fiscal quarter (the small business issuer's fourth
fiscal quarter in the case of an annual report) that has materially affected, or
is reasonably likely to materially  affect, the small business issuer's internal
control over financial reporting; and

     5.  The  small  business  issuer's  other  certifying  officer  and I  have
disclosed,  based  on our  most  recent  evaluation  of  internal  control  over
financial  reporting,  to the small  business  issuer's  auditors  and the audit
committee  of the  small  business  issuer'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 small  business  issuer'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 small  business  issuer's
internal control over financial reporting.


Date: August 10, 2004               /s/William M. Tandy
                                    --------------------------------------------
                                    William M. Tandy
                                    Chief Executive Officer