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 BUCS Financial  Corp. (the
"Company") on Form 10-QSB for the period ending September 30, 2004 as filed with
the Securities and Exchange  Commission on the date hereof (the  "Report"),  we,
Herbert J. Moltzan,  President and Chief Executive Officer, and Matthew J. Ford,
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.


Date: November 8, 2004


/s/Herbert J. Moltzan                       /s/Matthew Ford
- --------------------------------            ------------------------------------
Herbert J. Moltzan                          Matthew Ford
President and Chief Executive Officer       Chief Financial Officer