EXHIBIT 99.1

              CERTIFICATION OF CHIEF EXECUTIVE OFFICER PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Citizens First Bancorp, Inc., (the
"Company") on Form 10-Q for the quarter ended September 30, 2002 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Marshall J. Campbell, Chief Executive Officer of the Company, 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) or
          15(d) 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 as of and for the period covered by the Report.


/s/ Marshall J. Campbell
- ------------------------------------

Marshall J. Campbell
Chief Executive Officer
November 12, 2002



                                       17