CERTIFICATION PURSUANT TO
                                18 U.S.C.ss.1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


         In connection with the Quarterly  Report on Form 10-Q of Republic First
Bancorp,  Inc. (the  "Company")  for the year ended  December 31, 2002, as filed
with the Securities and Exchange  Commission on the date hereof (the  "Report"),
each of the undersigned  President and Chief Executive Officer and Executive and
Chief  Financial  Officer of the Company,  certifies,  to the best knowledge and
belief of the signatory,  pursuant to 18 U.S.C.  ss.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.

/s/ Paul Frenkiel
------------------------------------
Executive Vice President and Chief Financial Officer


Date: March 13, 2003