Dave,
I honestly don't know which Bible you are reading to come up with that kind of statement. You give no biblical reference to support your claim. So that leaves me to understand you are giving your opinion.
The Galatians 5 passage that teaches on the fruit of the Spirit states:
19 The acts of the flesh are obvious: sexual immorality, impurity and debauchery; 20 idolatry and witchcraft; hatred, discord, jealousy, fits of rage, selfish ambition, dissensions, factions 21 and envy; drunkenness, orgies, and the like. I warn you, as I did before, that those who live like this will not inherit the kingdom of God.
22 But the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, 23 gentleness and self-control. Against such things there is no law. 24 Those who belong to Christ Jesus have crucified the flesh with its passions and desires. 25 Since we live by the Spirit, let us keep in step with the Spirit. 26 Let us not become conceited, provoking and envying each other (Gal 5:19-26 NIV).
Who are the people Paul addressed. They are 'brothers and sisters' (in Christ) [Gal 5:13].
Gal 5:26 states exactly who are able to allow the fruit of faithfulness to grow: 'Those who belong to Christ Jesus' (5:24).
The fruit of faithfulness is only possible for those who have faith in Jesus and 'belong to Christ Jesus'. Faithfulness is a fruit of sanctification while the believer grows in Christ.
Galatians 5 teaches that your statement, 'faith (faithfulness) is a fruit of the Holy Spirit we must have before faith can exist', is false.
Oz