Exhibit 99.2


                               AXA FINANCIAL, INC.
          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 on Form 10-Q for the quarter
ended September 30, 2002 of AXA Financial, Inc. (the "Company") as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Stanley B. Tulin, 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 Exchange Act of 1934, as amended; and

     (2)    The information contained in the Report fairly presents, in all
            material respects, the financial condition and results of operations
            of the Company.



                                                /s/ Stanley B. Tulin
                                                --------------------------
                                                Stanley B. Tulin
                                                Vice Chairman of the Board
                                                and Chief Financial Officer

Date: November 12, 2002