EXHIBIT 31.1

RULE 13a-14(a) CERTIFICATION OF THE PRINCIPAL EXECUTIVE AND FINANCIAL OFFICER

I, William B. Gossett, President and Chief Executive Officer certify that:

     1.   I have reviewed this quarterly report on Form 10-QSB of Islands
          Bancorp;

     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 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.   I am responsible for establishing and maintaining disclosure controls
          and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-
          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 subsidiaries, is made known
              to me by others within those entities, particularly during the
              period in which this 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
              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; and

     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 the 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 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 control over financial reporting.


Date: November 14, 2005
                                         /s/William B. Gossett
                                         -----------------------------------
                                         William B. Gossett
                                         President and Chief Executive Officer
                                         (principal executive and financial
                                          officer)