EXHIBIT (32)

                     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 June 30, 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:  August 14, 2003                     /s/ Tony W. Wolfe
                                            ----------------------------
                                            Tony W. Wolfe
                                            Chief Executive Officer


Dated:  August 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.


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