EXHIBIT 99


                                  CERTIFICATION



To my  knowledge,  this Report on Form 10-Q for the quarter ended March 31, 2003
(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:    May 12, 2003