EXHIBIT 32.1




                            CERTIFICATION 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 Baylake Corp. (the "Company") on Form
10-Q for the three and nine months ended September 30, 2003 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Thomas
L. Herlache, Chief Executive Officer of the Company, certify, pursuant to 18
U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, that to the best of my knowledge:

      (1)   The Quarterly Report on Form 10-Q of the Company for the three and
            nine months ended September 30, 2003 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.

/s/ Thomas L. Herlache
- ----------------------
Thomas L. Herlache
President and Chief Executive Officer
November 12, 2003

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to Baylake Corp. and will be retained
by Baylake Corp. and furnished to the Securities and Exchange Commission or its
staff upon request.

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