EXHIBIT 32(b)


              SECTION 1350 Certification (Chief Financial Officer)

In connection with the Annual Report of Coastal Financial Corporation, Inc. (the
"Company") on Form 10-K for the period  ending  September 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 December 9, 2004.



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