Exhibit 32.2

Certification by the Chief Financial Officer Pursuant to 18. U.S.C. Section 1350
      As Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002


The undersigned hereby certifies that, to his or her knowledge, (i) the Form
10-Q filed by Four Oaks Fincorp, Inc. (the "Issuer") for the quarter ended June
30, 2004, fully complies with the requirements of Section 13(a) or 15(d) of the
Securities Exchange Act of 1934, and (ii) the information contained in that
report fairly presents, in all material respects, the financial condition and
results of operations of the Issuer on the dates and for the periods presented
therein.

                                            FOUR OAKS FINCORP, INC.


Date:  August 16, 2004                      By:   /s/ Nancy S. Wise
                                                  --------------------------
                                                  Nancy S. Wise
                                                  Senior Vice President and
                                                  Chief Financial Officer



This Certification is being furnished solely to accompany this Report pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002 and shall not, except to the
extent required by the Sarbanes-Oxley Act of 2002, be deemed "filed" by the
Company for purposes of Section 18 of the Securities Exchange Act of 1934, as
amended, and shall not be incorporated by reference into any filing of the
Company under the Securities Act of 1933, as amended, or the Securities Exchange
Act of 1934, as amended, whether made before or after the date of this Report,
irrespective of any general incorporation language contained in such filing.

A signed original of this written statement required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.



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