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 Annual Report of Thistle  Group  Holdings,  Co.
(the "Company") on Form 10-K for the year ended December 31, 2002 (the "Report")
as filed with the  Securities  and Exchange  Commission on the date hereof,  we,
John F. McGill, Jr., Chief Executive Officer, and Pamela M. Cyr, Chief Financial
Officer,  certify, pursuant to 18 U.S.C. ' 1350, as adopted pursuant to ' 906 of
the Sarbanes-Oxley Act of 2003, 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/Pamela M. Cyr
- ------------------------                              -----------------------
John F. McGill, Jr.                                   Pamela M. Cyr
Chief Executive Officer                               Chief Financial Officer




March 19, 2003