EXHIBIT 99


                                  CERTIFICATION



To my knowledge,  this Report on Form 10-Q for the quarter  ended  September 30,
2002 (the  "Report"),  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:    November 13, 2002