EXHIBIT 31.1
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                                  CERTIFICATION

I, Joseph P. Campbell, Chief Executive Officer, certify that:

         1. I have reviewed this quarterly report on Form 10-Q of Royal
            Bancshares of Pennsylvania;

         2. Based on my knowledge, the 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 report;

         3. Based on my knowledge, the financial statements, and other financial
            information included in the 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 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-15(e) and 15d-15(e)) and internal
            control over financial reporting (as defined in Exchange Act Rules
            13a-15(f) and15(d)-15(f) for the registrant and have:
            (a) Designed such disclosure controls and procedures, or caused such
                disclosure controls to be designed under our supervision, to
                ensure 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 report is being prepared:
            (b) [Intentionally omitted];
            (c) Evaluated the effectiveness of the registrant'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; and
            (d) 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 (the registrant's fourth
                fiscal quarter in the case of an annual report) 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, 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 and material weaknesses in the
                design or operation of internal control 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 control over financial reporting.

Dated: November 9, 2004
/s/ Joseph P. Campbell
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Chief Executive Officer