EXHIBIT (99)(c)

                     PEOPLES BANCORP OF NORTH CAROLINA, INC.

                   CERTIFICATION OF PERIODIC FINANCIAL REPORT
                       PURSUANT TO 18 U.S.C. SECTION 1350


     Pursuant  to  18 U.S.C. Section 1350, as adopted pursuant to Section 906 of
the  Sarbanes-Oxley  Act  of  2002,  each of the undersigned officers of Peoples
Bancorp  of  North  Carolina,  Inc. (the "Company") certifies that the Quarterly
Report  on  Form  10-Q of the Company for the quarter ended March 31, 2003 fully
complies  with the requirements of Section 13(a) or 15(d), as applicable, of the
Securities  Exchange  Act  of  1934  and information contained in that Form 10-Q
fairly  presents,  in all material respects, the financial condition and results
of  operations  of  the  Company.



Dated:  May 14, 2003                    /s/ Tony W. Wolfe
                                        --------------------------------
                                        Tony W. Wolfe
                                        Chief Executive Officer


Dated:  May 14, 2003                    /s/ A.Joseph Lampron
                                        --------------------------------
                                        A. Joseph Lampron
                                        Chief Financial Officer



*This certification is made solely for purpose of 18 U.S.C. Section 1350,
subject to the knowledge standard contained therein, and not for any other
purpose.