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 Skibo Financial Corp.(the  "Company")
on Form 10-QSB for the period ending June 30, 2003 as filed with the  Securities
and Exchange Commission on the date hereof (the "Report"),  we, Walter G. Kelly,
President and Chief Executive Officer, and Carol A. Gilbert, Chief Financial and
Operating  Officer,  Treasurer  and  Secretary,  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/Walter G. Kelly                          /s/Carol A. Gilbert
- -------------------------------------       -------------------------------------------
Walter G. Kelly                             Carol A. Gilbert
President and Chief Executive Officer       Chief Financial and Operating Officer,
(Principal Executive Officer)               Secretary and Treasurer
                                            (Principal Financial and Accounting Officer)

Date: July 29, 2003                         Date: July 29, 2003