EXHIBIT 99

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                           AND CHIEF FINANCIAL OFFICER
                             PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002





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


Gordon E.  Clark,  President  and  Chief  Executive  Officer,  and  Kathleen  G.
Trumpler,  Treasurer of Leeds  Federal  Bankshares,  Inc. (the  "Company")  each
certify in his or her  capacity as an officer of the Company  that he or she has
reviewed  the Annual  Report of the Company on Form 10-K for the year ended June
30, 2002 and that to the best of his or her knowledge:

     1.   the report fully complies with the  requirements  of Sections 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.

The purpose of this  statement  is solely to comply  with Title 18,  Chapter 63,
Section  1350 of the United  States  Code,  as  amended  by  Section  906 of the
Sarbanes-Oxley Act of 2002.



September 25, 2002                         /s/ Gordon E. Clark
- ------------------------------------       -------------------------------------
Date                                       Gordon E. Clark
                                           President and Chief Executive Officer


September 25, 2002                         /s/ Kathleen G. Trumpler
- ------------------------------------       -------------------------------------
Date                                       Kathleen G. Trumpler
                                           Treasurer (Chief Financial Officer)