EXHIBIT 99.3



                            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 current report of Classic Bancshares, Inc. (the
"Company") on Form 8-K dated October 30, 2002 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I Lisah M. Frazier, Chief
Operation Officer and Chief Financial 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 results of
               operations of the Company.

Date:    October 30, 2002                      /s/ Lisah M. Frazier
         ------------------                    ---------------------------------
                                               Lisah M. Frazier
                                               Chief Operation Officer and
                                                 Chief Financial Officer