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 Charles Schwab Corporation (the
Company) on Form 10-K  for the year ended  December 31,  2003 (the  Report),  I,
Christopher V. Dodds,  Executive Vice President and Chief  Financial  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 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 for the periods presented therein.



/s/ Christopher V. Dodds                            Date: March 11, 2004
- ----------------------------                              --------------------
Christopher V. Dodds
Executive Vice President and
Chief Financial Officer





A signed  original of this written  statement  required by Section 906  has been
provided to The Charles Schwab  Corporation  and will be retained by The Charles
Schwab  Corporation  and furnished to the Securities and Exchange  Commission or
its staff upon request.