CERTIFICATION


     To my  knowledge,  this Report on Form 10-Q for the quarter  ended June 30,
2002,  fully  complies  with the  requirements  of Section 13(a) or 15(d) of the
Securities  Exchange Act of 1934, and the  information  contained in this Report
fairly presents,  in all material respects,  the financial condition and results
of operations of CKF Bancorp, Inc.



                                   By:/s/ John H. Stigall
                                      -----------------------------------------
                                      John H. Stigall
                                      President and Chief Executive Officer



                                   By:/s/ Russell M. Brooks
                                      -----------------------------------------
                                      Russell M. Brooks
                                      Vice President and Chief Financial Officer



Date:    August 13, 2002