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 December 31, 2002 (the "Report")
as filed with the  Securities  and Exchange  Commission,  we, Richard A. Sinewe,
President, and Robert B. Kastan,  Treasurer/Controller,  certify, pursuant to 18
U.S.C. ss. 1350, as adopted pursuant to '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)



February 14, 2003