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, 2003 (the "Report")
as filed with the  Securities  and Exchange  Commission on the date hereof,  we,
Richard  A.  Sinewe,  President,  and  Robert B.  Kastan,  Treasurer/Controller,
certify,  pursuant to 18 U.S.C.  ss.1350,  as adopted pursuant to section 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)