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 Reserve  Bancorp,  Inc. (the
"Company") on Form 10-QSB for the quarter ended March 31, 2003 (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.  '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)



May 14, 2003