<Page> EXHIBIT 32 CERTIFICATION PURSUANT TO 18 U.S.C. ss. 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Annual Report on Form 10-K of Seacoast Financial Services Corporation (the "Company") for the year ended December 31, 2003, as filed with the Securities and Exchange Commission on the date hereof (the "Report"), each of the undersigned (Kevin G. Champagne, President and CEO) and (Francis S. Mascianica, Jr., Treasurer, as Principal Financial and Accounting Officer) of the Company, certifies, to the best knowledge and belief of the signatory, pursuant to 18 U.S.C. ss. 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. This certification is provided solely pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, and shall not be deemed to be a part of the Report or "filed" for any purpose whatsoever. /s/ Kevin G. Champagne /s/ Francis S. Mascianica, Jr. - --------------------------------------- ------------------------------------- Kevin G. Champagne Francis S. Mascianica, Jr. President and Chief Executive Officer Treasurer, as Principal Financial and Accounting Officer Date: March 11, 2004 Date: March 11, 2004 108