Exhibit 99

                            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 on Form 10-Q of Republic First
Bancorp, Inc. (the "Company") for the quarter ended June 30, 2002, as filed with
the Securities and Exchange  Commission on the date hereof (the "Report"),  each
of the undersigned President and Chief Executive Officer and Executive and Chief
Financial Officer of the Company, certifies, to the best knowledge and belief of
the signatory, 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) 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/ Harry D. Madonna                /s/   Paul Frenkiel
 President and Chief                Executive Vice President and
    Executive Officer               Chief Financial Officer


Date:November 14, 2002              Date: November 14, 2002