CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


         In connection with the Quarterly  Report on Form 10-QSB for the quarter
ended July 31, 2005 (the  "Report") of SE Financial  Corp.  (the  "Company")  as
filed with the Securities and Exchange  Commission on the date hereof, I, Pamela
M.  Cyr,  President,  Chief  Executive  Officer,  and  Chief  Financial  Officer
(Principal  Executive  and  Financial &  Accounting  Officer),  hereby  certify,
pursuant  to  18  U.S.C.   ss.1350,   as  adopted  pursuant  to  ss.906  of  the
Sarbanes-Oxley Act of 2002, that:

(1)  The Report fully  complies  with the  requirements  of Section 13(a) of the
     Securities Exchange Act of 1934; and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.



Date: September 14, 2005                    /s/Pamela M. Cyr
      ------------------                    ------------------------------------
                                            Pamela M. Cyr
                                            President & CEO
                                            (Principal Executive and Financial &
                                            Accounting Officer)