Exhibit 99.  **CERTIFICATION PURSUANT TO 18 U.S.C.SECTION 1350**

The undersigned, pursuant to 18 U.S.C. § as adopted by §906 of the Sarbanes-Oxley Act of 2002 that:

|   | (1) | the Quarterly Report on Form 10QSB of Oconee    Financial Corporation (the "Company") for the quarterly period ended March    31, 2003 (the "Report") fully complies with the requirements of Section    13(a) or 15(d) of the Securities Exchange Ace of 1934; and |
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|   | (2) | the information contained in the Report    fairly presents, in all material respects, the financial condition and    result of operations of the Company.                                                                                                                               |

 

 

| Dated:  May 15, 2003                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   /s/ B. Amrey Harden                                                          B. Amrey Harden    Chief Executive Officer |
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  Dated:  May 15, 2003 /s/ Jerry K. Wages                                                          Jerry K. Wages    Chief Financial Officer
 

**A SIGNED ORIGINAL OF THIS WRITTEN STATEMENT REQUIRED BY SECTION 906 HAS BEENPROVIDED TO OCONEE FINANCIAL CORPORATION AND WILL BE RETAINED BY OCONEEFINANCIAL CORPORATION AND FURNISHED TO THE SECURITIES AND EXCHANGE COMMISSION ORITS STAFF UPON REQUEST.** |