EXHIBIT 32(a)

              SECTION 1350 Certification (Chief Executive Officer)

In connection with the Annual Report of Coastal Financial Corporation, Inc. (the
"Company") on Form 10-K for the period ending September 30, 2003 as filed with
the Securities and Exchange Commission (the "Report"), I Michael C. Gerald,
Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. ss.1350,
as adopted pursuant to ss.906 of the Sarbanes-Oxley Act of 2002, that to the
best of my knowledge:

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
      as of and for the period covered by the Report.

This Certification is provided as of December 19, 2003.

                                                        /s/ Michael C. Gerald
                                                        ------------------------
                                                        Michael C. Gerald
                                                        President/Chief
                                                        Executive Officer


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