EXHIBIT 99

               STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE
               SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

     The undersigned,  John P. Mulkerin, is the Chief Executive Officer of First
Sentinel Bancorp, Inc. (the "Company").

     This  statement  is being  furnished in  connection  with the filing by the
Company of the  Company's  Quarterly  Report on Form 10-Q for the quarter  ended
September 30, 2002 (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.



November 14, 2002                                        /s/ JOHN P. MULKERIN
-----------------                                        -----------------------
Dated                                                    John P. Mulkerin,
                                                         Chief Executive Officer
<PAGE>
               STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE
               SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

     The undersigned,  Thomas M. Lyons, is the Chief Financial  Officer of First
Sentinel Bancorp, Inc. (the "Company").

     This  statement  is being  furnished in  connection  with the filing by the
Company of the  Company's  Quarterly  Report on Form 10-Q for the quarter  ended
September 30, 2002 (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.



November 14, 2002                                        /s/ THOMAS M. LYONS
-----------------                                        -----------------------
Dated                                                    Thomas M. Lyons,
                                                         Chief Financial Officer