Exhibit 32.1



CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection with the Annual Report of Pacifica Bancorp, Inc. (the
Company) on Form 10-K for the year ending December 31, 2003, as filed with the Securities and Exchange Commission on the date hereof (the Report), I, John A. Kennedy, the President and Chief Executive Officer of the Company,
certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:



| | 1. | The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
| | -- | ---------------------------------------------------------------------------------------------------------------------



| | 2. | The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company for the period certified.
| | -- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------



This certification is being furnished solely to comply with the
requirements of 18 U.S.C. Section 1350, and shall not be incorporated by reference into any of the Companys filings under the Securities Act of 1933 or the Securities Exchange Act of 1934, or otherwise be deemed to be filed as part of the
Report or under such Acts.



|                    |  |                                      
|------------------- |  | -------------------------------------
|Date: March 5, 2004 |  | /s/ John A. Kennedy                  
|                    |  | John A. Kennedy                      
|                    |  | President and Chief Executive Officer



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Exhibit 32.2



CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection with the Annual Report of Pacifica Bancorp, Inc. (the
Company) on Form 10-K for the year ending December 31, 2003, as filed with the Securities and Exchange Commission on the date hereof (the Report), I, John A. Kennedy, the President and Chief Executive Officer of the Company,
certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:



| | 3. | The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
| | -- | ---------------------------------------------------------------------------------------------------------------------



| | 4. | The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company for the period certified.
| | -- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------



This certification is being furnished solely to comply with the
requirements of 18 U.S.C. Section 1350, and shall not be incorporated by reference into any of the Companys filings under the Securities Act of 1933 or the Securities Exchange Act of 1934, or otherwise be deemed to be filed as part of the
Report or under such Acts.



|                    |  |                                                                               
|------------------- |  | ------------------------------------------------------------------------------
|Date: March 5, 2004 |  | /s/ John D. Huddleston                                                        
|                    |  | John D. Huddleston                                                            
|                    |  | Executive Vice President, Chief Financial Officer, and Chief Operating Officer