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, 2004 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 9, 2004.



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