Exhibit 99.1


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


In connection with the Quarterly Report of United Security
Bancshares, Inc. ("Bancshares") on Form 10-Q for the period ended
June 30, 2002 as filed with the Securities and Exchange
Commission on the date hereof (the "Report"), I, R. Terry
Phillips, President and Chief Executive Officer of Bancshares,
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; and

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


/s/   R. Terry Phillips



R. Terry Phillips
	President and Chief Executive Officer
	August 13, 2002