EXHIBIT 99.1

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


         In connection with the Quarterly Report of Unified Financial Services,
Inc. (the "Company") on Form 10-Q for the period ended June 30, 2002, as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, John S. Penn, Chief Executive Officer of the Company, certify, pursuant to 18
U.S.C. Section 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/ John S. Penn
                                    --------------------------------------------------------------
                                    John S. Penn, Chief Executive Officer of Unified
                                    Financial Services, Inc.

                                    August 13, 2002