EXHIBIT 32

                             CERTIFICATION PURSUANT

We hereby  certify  that  this  Annual  Report  on Form 10-K for the year  ended
December 31, 2003, as filed with the Securities and Exchange Commission,  to the
best of our knowledge,  complies with the requirements of section 13(a) or 15(d)
of the  Securities  Exchange Act of 1934 and that the  information  contained in
this report fairly presents,  in all material respects,  the financial condition
and results of operations of Unified Financial Services, Inc.

                                           /s/ John S. Penn
                                           -------------------------------------
                                           John S. Penn
                                           President and Chief Executive Officer



                                           /s/ Thomas G. Napurano
                                           -------------------------------------
                                           Thomas G. Napurano
                                           Chief Financial Officer

March 2, 2004

     This  certificate  accompanies  the Report  pursuant  to Section 906 of the
Sarbanes-Oxley  Act of 2002 and shall not,  except to the extent required by the
Sarbanes-Oxley  Act of 2002,  be deemed  filed by the  Company  for  purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.