Exhibit 32(b)


              SECTION 1350 Certification (Chief Financial Officer)

In connection with the Quarterly Report of Coastal Financial  Corporation,  Inc.
(the  "Company")  on Form 10-Q for the period ending June 30, 2004 as filed with
the Securities and Exchange Commission (the "Report"), I Jerry L. Rexroad, Chief
Financial Officer of the Company,  certify,  pursuant to 18 U.S.C.  ss.1350,  as
adopted pursuant to ss.906 of the  Sarbanes-Oxley  Act of 2002, that to the best
of my knowledge:

1.   The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

2.   The information  contained in the Report fairly  presents,  in all material
     respects,  the financial condition and results of operations of the Company
     as of and for the period covered by the Report.

This Certification is provided as of August 12, 2004.



                                   /s/ Jerry L. Rexroad
                                   --------------------------------
                                   Jerry L. Rexroad
                                   Executive Vice President   and Chief
                                   Financial Officer


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