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 Lawrence Financial Holdings,
Inc. (the "Company") on Form 10-QSB for the period ending September 30, 2002 as
filed with the Securities and Exchange Commission (the "report), I, RobRoy
Walters, Chief Financial Officer of the Company, certify, pursuant to 18
U.S.C.ss.1350, as adopted pursuant to ss.906 of the Sarbanes-Oxley Act of 2002,
that:

     1. The report fully complies with the requirement of Section 13(a) or 15(d)
of the Securities and 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/ RobRoy Walters
                                         ---------------------------------------
                                                 Chief Financial Officer
                                                     RobRoy Walters
                                                    November 13, 2002