Exhibit 32.1

                            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 Synergy  Financial  Group,
Inc. (the  "Company")  on Form 10-QSB for the period  ending  September 30, 2003
(the "Report") as filed with the Securities and Exchange  Commission on the date
hereof, 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, 2003                   Date: November 14, 2003