Exhibit 32(b)

              SECTION 1350 Certification (Chief Financial Officer)

In connection with the Quarterly Report of Coastal Financial  Corporation,  Inc.
(the  "Company")  on Form 10-Q for the period ended March 31, 2005 as filed with
the Securities and Exchange Commission (the "Report"), I Jerry L. Rexroad, Chief
Financial 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 May 10, 2005.


                                             /s/ Jerry L. Rexroad
                                             -----------------------------------
                                             Jerry L. Rexroad
                                             Executive Vice President and
                                             Chief Financial Officer


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