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 March 31, 2004 (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 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: May  12, 2004