EXHIBIT 31.1

                               CERTIFICATION
            PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, William B. Gossett, certify that:

	1.  I have reviewed this quarterly report on Form 10-QSB of Islands
Bancorp (the "Registrant");

	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.  I am responsible for establishing and maintaining disclosure controls
and procedures (as defined in Exchange Act Rules 13a-15(e)) for the Registrant
and have:

	a)  designed such disclosure controls and procedures, or caused such
disclosure controls and procedures to be designed under my supervision, to
ensure that material information relating to the Registrant, including its
consolidated subsidiary, is made known to me by others within that entity,
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 my 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

	c)  disclosed in this report any change in the Registrant's internal
control over financial reporting that occurred during the Registrants most
recent fiscal quarter that has materially affected, or is reasonably likely to
materially affect, the Registrant's internal control over financial reporting;

	5.  I have disclosed, based on my 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 in the design or operation of internal
controls which could adversely affect the Registrant's ability to record,
process, summarize and report financial data and have identified for the
Registrant's auditors any material weaknesses in internal controls; 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.


Date:  August 13, 2004                   /s/ William B. Gossett
                                         -------------------------------
                                         William B. Gossett
                                         President and Chief Executive Officer
                                         (Principal Executive and Financial
                                         Officer)