Exhibit 99.0


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



In connection  with the Quarterly  Report of Thistle Group  Holdings,  Inc. (the
"Company")  on Form 10-Q for the period  ending  June 30, 2002 as filed with the
Securities and Exchange  Commission on the date hereof (the "Report"),  we, John
F. McGill,  Jr.,Chief  Executive  Officer,  and Jerry Naessens,  Chief Financial
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) 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.




/s/ John F. McGill, Jr.                              /s/ Jerry Naessens
- --------------------------                           ---------------------------
John F. McGill, Jr.                                  Jerry Naessens
Chief Executive Officer                              Chief Financial Officer




August 14, 2002