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 BUCS  Financial  Corp.  (the
"Company") on Form 10-QSB for the period ending September 30, 2002 as filed with
the Securities and Exchange  Commission on the date hereof (the  "Report"),  we,
Herbert J. Moltzan,  President and Chief Executive Officer, and Matthew J. Ford,
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/ Herbert J. Moltzan
- -------------------------------------
Herbert J. Moltzan
President and Chief Executive Officer

November 11, 2002



/s/ Matthew J. Ford
- -------------------------------------
Matthew J. Ford
Chief Financial Officer

November 11, 2002