EXHIBIT 32(b)


                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

         In connection with the Form 10-QSB of Frederick County Bancorp, Inc.
for the quarter ended March 31, 2004, I, William R. Talley, Jr., Executive Vice
President and Chief Financial Officer of Frederick County Bancorp, Inc., hereby
certify pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the
Sarbanes-Oxley Act of 2002, to the best of my knowledge and belief, that:

(1) such Form 10-QSB for the quarter ended March 31, 2004, 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 such Form 10-QSB for the quarter ended March
31, 2004, fairly presents, in all material respects, the financial condition and
results of operations of Frederick County Bancorp, Inc.


/s/ William R. Talley, Jr.
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William R. Talley, Jr.
Executive Vice President and Chief Financial Officer