Exhibit 99.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                                   AS ADDED BY
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

          In connection with the Annual Report of First Capital, Inc. (the
"Company") on Form 10-KSB for the fiscal year ended December 31, 2002 as filed
with the Securities and Exchange Commission (the "Report"), I, William W.
Harrod, President and Chief Executive Officer of the Company, certify, pursuant
to 18 U.S.C. Section 1350, as added by Section 906 of the Sarbanes-Oxley Act of
2002, that:

          (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.


                                        /s/ William W. Harrod
                                        ----------------------------------------
                                        William W. Harrod
                                        President and Chief Executive Officer


Date:   March 28, 2003


A signed original of this written statement required by Section 906 has been
provided to First Capital, Inc. and will be retained by First Capital, Inc. and
furnished to the Securities and Exchange Commission or its staff upon request.