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  RSV  Bancorp,  Inc.  (the
"Company") on Form 10-QSB for the quarter ended June 30, 2004 (the  "Report") as
filed with the Securities and Exchange Commission on the date hereof, we, Gerard
R.  Kunic,  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:  August 13, 2004



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