Exhibit 99.1

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

The undersigned, the Chief Executive Officer and the Chief Financial Officer of
New Commerce Bancorp (the "Company"), each certify that, to his or her knowledge
on the date of this certification:


      1.  The quarterly report of the Company for the period ended
          September 30, 2002 as filed with the Securities and Exchange
          Commission on this date (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 result of
          operations of the Company.



                                  /s/ Frank W. Wingate
                                 -------------------------------------------
                                 Frank W. Wingate
                                 Chief Executive Officer
                                 November 12, 2002

                                  /s/ R. Lamar Simpson
                                 -------------------------------------------
                                 R. Lamar Simpson
                                 Chief Financial Officer
                                 November 12, 2002