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 1st State Bancorp, Inc.


                                 By: /s/ James C. McGill
                                     -------------------------------------------
                                     James C. McGill
                                     President and Chief Executive Officer



                                 By: /s/ A. Christine Baker
                                     -------------------------------------------
                                     A. Christine Baker
                                     Executive Vice President
                                     Treasurer and Secretary

Date: August 14, 2002