EXHIBIT 99(b)

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350


         In connection with the Form 10-QSB of James Monroe Bancorp, Inc. for
the quarter ended March 31, 2003, I, Richard I. Linhart, Executive Vice
President and Chief Operating Officer and Chief Financial Officer of James
Monroe Bancorp, Inc., hereby certify pursuant to 18 U.S.C.ss.1350, as adopted
pursuant toss.906 of the Sarbanes-Oxley Act of 2002, to the best of my knowledge
and belief, that:

         (1)  such Form 10-QSB for the quarter ended March 31, 2003, fully
              complies with the requirements of section 13(a) or 15(d) of the
              Securities Act of 1934; and

         (2)  the information contained in such Form 10-QSB for the quarter
              ended March 31, 2003, fairly presents, in all material respects,
              the financial condition and results of operations of James Monroe
              Bancorp, Inc.


/s/ Richard I. Linhart
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Richard I. Linhart
Executive Vice President and Chief Financial Officer