EXHIBIT 32

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

         We hereby certify that this Current Report on Form 8-K, dated
November 19, 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
                        Executive Vice President and Chief Financial Officer

December 1, 2003

         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.