EXHIBIT 99.1


                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

                             As adopted pursuant to

                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection  with the Quarterly  Report of First PacTrust  Bancorp,  Inc. (the
"Company")  on Form 10-Q for the period  ended  June 30,  2002 as filed with the
Securities and Exchange  Commission on August 14, 2002, (the "Report"),  I, Hans
R. Ganz,  President and Chief Executive Officer of the Company,  hereby certify,
pursuant to 18 U.S.C.  Section 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, as amended; and

     (2)  The  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition of the Company as of June
          30,  2002 and results of  operations  of the Company for the three and
          six months ended June 30, 2002.


                                    ___/s/ Hans R. Ganz
                                    Name: Hans R. Ganz
                                    Title: President and Chief Executive Officer
                                    Date: August 14, 2002

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