Fidelity Bancshares NC Inactive 10-Q2004 Q2 Quarterly report

Filed: 11 Aug 04, 12:00am

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New words: Aaa, agency, allocation, ATM, Bulletin, card, half, length, negotiated, noncustomer, platform, recover, SAB, sixteen, target, teller, temporarily, treasury

Removed: accruing, accumulated, aforementioned, alternative, amendment, amortized, annually, applied, August, automatically, bear, beginning, behalf, beneficially, characteristic, classify, combination, comparable, compensation, component, computed, consolidation, construction, contracted, Corporation, created, criteria, Delaware, depending, depreciate, designated, determined, development, dilutive, disposed, dividing, encouraged, ending, exist, FASB, February, fidbank, FIN, fiscal, forward, fourth, generated, guarantee, guarantor, hedging, identifiable, Identification, immaterial, implemented, inception, indefinite, Indirect, initial, initiated, institution, instrument, interim, interpretation, issuer, January, July, junior, language, lease, life, long, mature, maximum, measurement, method, modified, nonperforming, November, obligation, occur, October, ownership, passage, payment, perform, performance, performed, premium, principle, prominent, prospectively, purpose, pursuant, qualified, qualify, ready, reassessed, reclassify, record, redeem, reduce, relationship, renewed, repossessed, residual, restate, retirement, retroactively, reversal, reverse, reviewed, scheduled, scope, September, similar, similarly, Southern, stand, standard, subjected, subordinated, summary, tangible, term, test, tested, testing, tier, transition, transitional, unamortized, unconditional, undiscounted, voluntary

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Exhibit 32

SECTION 906 CERTIFICATION

(Pursuant to 18 U.S.C. Section 1350)

The undersigned hereby certifies that (i) the foregoing Quarterly Report on Form 10-Q filed by Fidelity BancShares (N.C.), Inc. (the “Company”) for the quarter ended June 30, 2004, fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, and (ii) the information contained in that Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

By:/s/ Billy T. Woodard

Date: August 11, 2004

Billy T. Woodard

Chief Executive Officer

By:/s/ Mary W. Willis

Date: August 11, 2004

Mary W. Willis

Chief Financial Officer and Treasurer