Exhibit 32


                                  Certification


To my knowledge,  this 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
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, 2003