EXHIBIT 99.1

                            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 Florida Savings Bancorp, Inc. (the
"Company") on Form 10-QSB for the period ending September 30, 2002 as filed with
the Securities and Exchange Commission (the "Report"), I, Bernard Janis, 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.       To my knowledge, 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.



Date: November 7, 2002             By: /s/ Bernard Janis
      ---------------------            ---------------------------------------
                                         Bernard Janis, Chief Executive Officer