Exhibit 99.1

                            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 Synergy  Financial  Group,
Inc.(the  "Company") on Form 10-QSB for the period ending June 30, 2002 as filed
with the Securities and Exchange  Commission on the date hereof (the  "Report"),
we,  John S.  Fiore,  President  and  Chief  Executive  Officer,  and  Ralph  A.
Fernandez,  Vice President and 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) 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 S. Fiore                         /s/Ralph A. Fernandez
- --------------------------------------   -------------------------------------
John S. Fiore                            Ralph A. Fernandez
President and Chief Executive Officer    Vice President and Chief Financial Officer
(Principal Executive Officer)            (Principal Financial and Accounting Officer)



Date: September 23, 2002                 Date: September 23, 2002