CERTIFICATION


     To my knowledge, this Report on Form 10-QSB for the quarter ended September
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 Peoples Bankcorp, Inc.



                                  By: /s/ Robert E. Wilson
                                      -----------------------------------------
                                      Robert E. Wilson
                                      President and Chief Executive Officer
                                      (Duly Authorized and Principal Executive,
                                      Accounting and Financial Officer)

Date: November 14, 2002