EXHIBIT 32
                CERTIFICATION PURSUANT TO 18. U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002



     The undersigned  executive officers of Frankfort First Bancorp,  Inc., (the
"small  business  issuer")  hereby  certify that this  Quarterly  Report on Form
10-QSB for the quarter ended  September 30, 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 the Report fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
small business issuer.


                           By:       /s/  Don D. Jennings
                              --------------------------------------------
                              Name:    Don Jennings
                              Title:   President and Chief Executive Officer



                           By:       /s/  R. Clay Hulette
                              --------------------------------------------
                              Name:    R. Clay Hulette
                              Title:   Vice President and Chief Financial
                                       Officer

Date: November 13, 2003