EXHIBIT 32.2

                 STATEMENT OF CHIEF FINANCIAL OFFICER FURNISHED
            PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

        The undersigned, Gary F. Hoskins, is the Chief Financial Officer of
Citizens South Banking Corporation (the "Company").

        This statement is being furnished in connection with the filing by the
Company of the Company's Annual Report on Form 10-K for the year ended December
31, 2004 (the "Report").

        By execution of this statement, I certify that:

                A)      the Report fully complies with the requirements of
                        Section 13(a) or 15(d) of the Securities Exchange Act of
                        1934 (15 U.S.C. 78m(a) or 78o(d)) and

                B)      the information contained in the Report fairly presents,
                        in all material respects, the financial condition and
                        results of operations of the Company as of the dates and
                        for the periods covered by the Report.

        This statement is authorized to be attached as an exhibit to the Report
so that this statement will accompany the Report at such time as the Report is
filed with the Securities and Exchange Commission pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that this
statement be deemed to be filed for purposes of the Securities Exchange Act of
1934, as amended.

March 10, 2005                                        /s/ Gary F. Hoskins
Dated                                                 --------------------------
                                                      Gary F. Hoskins
                                                      Chief Financial Officer

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