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



     In  connection  with the  Quarterly  Report of Reserve  Bancorp,  Inc. (the
"Company") on Form 10-QSB for the quarter ended June 30, 2002 (the  "Report") as
filed with the  Securities  and  Exchange  Commission  on the date  hereof,  we,
Richard A. Sinewe,  President,  and Robert B. Kastan,  Principal  Financial  and
Accounting Officer,  certify, pursuant to 18 U.S.C. ss.1350, as adopted pursuant
to ss.906 of the Sarbanes-Oxley Act of 2002, that:

     (1) The Report fully complies with the requirements of Section 13(a) 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.



/s/ Richard A. Sinewe                        /s/ Robert B. Kastan
- --------------------------------             -----------------------------------
Richard A. Sinewe                            Robert B. Kastan
President                                    Treasurer/Controller
(Principal Executive Officer)                (Principal Financial and Accounting
                                               Officer)



August 9, 2002