Bank of Kentucky Financial (BKYF) 10-K 2012 FY Annual report

Exhibit 32.2

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 Annual Report of The Bank of Kentucky Financial Corporation (“BKFC”) on Form 10-K for the period ending December 31, 2012, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Martin J. Gerrety, Treasurer and Assistant Secretary of BKFC, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, to the best of my knowledge and belief, that:

(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 conditions and results of operations of BKFC.

/s/ Martin J. Gerrety

Martin J. Gerrety

Treasurer and Assistant Secretary

March 8, 2013