Exhibit 99.1

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

      The undersigned, Ralph W. Dunham, is the President and Chief
Executive Officer of Mystic Financial, 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 period
ended December 31, 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.

February 13, 2003                      /s/  Ralph W. Dunham
-----------------                      -----------------------------------
Dated                                  Ralph W. Dunham


<PAGE>  30


                                                              Exhibit 99.1

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

      The undersigned, Anthony J. Patti, is the Chief Financial Officer and
Treasurer of Mystic Financial, 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 period
ended December 31, 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.

February 13, 2003                      /s/  Anthony J. Patti
-----------------                      -----------------------------------
Dated                                  Anthony J. Patti


<PAGE>  31