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

I, Frederick A. Marcell Jr., President and Chief Executive Officer of Willow
Grove Bancorp, Inc., hereby certify, pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that:

      (1)   The Annual report on Form 10-K of the Company for the fiscal year
            ended June 30, 2002 (the "Report") fully complies with the
            requirements of Section 13(a) or 5(d) of the Securities Exchange Act
            of 1934 (15 U.S.C 78m(a) or 78o(d); and

      (2)   The information contained in the Report fairly presents, in all
            material respects, the financial condition and results of operations
            of the Company.


By:      /s/  Frederick A. Marcell Jr.
         --------------------------------------------
         Frederick A. Marcell Jr.
         President and Chief Executive Officer

Date:    September 30, 2002