Exhibit 32.1

                            Certification pursuant to
                             18 U.S.C. Section 1350,
                             as adopted pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002

Richard P.  McStravick,  President and Chief Executive  Officer,  and Anthony J.
Fabiano,  Senior Vice  President  and Chief  Financial  Officer of Sound Federal
Bancorp, Inc. (the "Company"), each certify in his capacity as an officer of the
Company that he has reviewed  the  Quarterly  Report of the Company on Form 10-Q
for the quarter ended December 31, 2003 and that to the best of his knowledge:

     (1)  the report fully complies with the  requirements of Sections 13(a) and
          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.

The purpose of this  statement  is solely to comply  with Title 18,  Chapter 63,
Section  1350 of the United  States  Code,  as  amended  by  Section  906 of the
Sarbanes-Oxley Act of 2002.


February 11, 2004                         /s/ Richard P. McStravick
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Date                                      President and Chief Executive Officer


February 11, 2004                         /s/ Anthony J. Fabiano
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Date                                      Senior Vice President and
                                          Chief Financial Officer