Exhibit 32.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

The  following  certification  is provided by the  undersigned  Chief  Executive
Officer of First Banking Center,  Inc. on the basis of such officer's  knowledge
and belief for the sole purpose of complying  with 18 U.S.C.  Section  1350,  as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

                                  CERTIFICATION

In connection  with the  Quarterly  Report of First  Banking  Center,  Inc. (the
"Company")  on Form 10-Q for the period ended March 31, 2004,  as filed with the
Securities and Exchange Commission on August 6, 2004 (the "Report"),  I, Brantly
Chappell, Chief Executive Officer of the Company, hereby certify, pursuant to 18
U.S.C.  Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley
Act of 2002, that to the best of my knowledge:

(1)  The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934, as amended; and

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





                                /s/Brantly Chappell
                                -------------------------------
                                Name:  Brantly Chappell
                                Title: Chief Executive Officer
                                Date:  August 6, 2004

A signed  original of this written  statement  required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form  within the  electric  version of this  written  statement
required by Section 906, has been  provided to First  Banking  Center,  Inc. and
will be retained by First Banking  Center,  Inc. and furnished to the Securities
and Exchange Commission or its staff upon request.




Exhibit 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

The  following  certification  is provided by the  undersigned  Chief  Financial
Officer of First Banking Center,  Inc. on the basis of such officer's  knowledge
and belief for the sole purpose of complying  with 18 U.S.C.  Section  1350,  as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

                                  CERTIFICATION

In connection  with the  Quarterly  Report of First  Banking  Center,  Inc. (the
"Company")  on Form 10-Q for the period  ended  March 31, 2004 as filed with the
Securities and Exchange  Commission on August 6, 2004 (the  "Report"),  I, James
Schuster, Chief Financial Officer of the Company, hereby certify, pursuant to 18
U.S.C.  Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley
Act of 2002, that to the best of my knowledge:

(1)  The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934, as amended; and

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




                                /s/James Schuster
                                -------------------------------
                                Name:  James Schuster
                                Title: Chief Financial Officer
                                Date:  August 6, 2004



A signed  original of this written  statement  required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form  within the  electric  version of this  written  statement
required by Section 906, has been  provided to First  Banking  Center,  Inc. and
will be retained by First Banking  Center,  Inc. and furnished to the Securities
and Exchange Commission or its staff upon request.