EXHIBIT 32



                            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, 2004 (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.



Date: May 14, 2004



/s/Gerald R. Kunic                  /s/Robert B. Kastan
- -----------------------------       --------------------------------------------
Gerald R. Kunic                     Robert B. Kastan
President                           Treasurer/Controller
(Principal Executive Officer)       (Principal Financial and Accounting Officer)