First Investors Financial Services (FIFS) 10-K 2004 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 Quarterly Report of First Investors Financial Services, Inc., (the “Company”) on Form 10-K for the period ending April 30, 2004 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Bennie H. Duck, Chief Financial Officer of the Company, 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 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.

Date:  July 20, 2004
	By: /s/ Bennie H. Duck
	Bennie H. Duck
	Chief Financial Officer