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  September 30, 2002 as
filed with the Securities and Exchange  Commission (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: November 14, 2002                        Date: November 14, 2002