Exhibit 32.1

   Certification by the Chief Executive Officer Pursuant to 18. U.S.C. 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
September 30, 2004 (the "Report") 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 the 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:  November 15, 2004        By:   /s/ Ayden R. Lee, Jr.
                                      ------------------------------------------
                                      Ayden R. Lee, Jr.
                                      President and Chief Executive 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.