Exhibit 32

                        SECTION 1350 CERTIFICATION OF CEO

     To my knowledge,  this Report on Form 10-Q for the quarter ended  September
30, 2003,  fully complies with the requirements of Section 13(a) or 15(d) of the
Securities  Exchange Act of 1934, and the  information  contained in this Report
fairly presents,  in all material respects,  the financial condition and results
of operations of Ameriana Bancorp.

                             By:   /s/ Harry J. Bailey
                                   -----------------------------------
                                   Name:  Harry J. Bailey
                                   Title: President and Chief Executive Officer


Date: November 14, 2003


                        SECTION 1350 CERTIFICATION OF CFO

     To my knowledge,  this Report on Form 10-Q for the quarter ended  September
30, 2003,  fully complies with the requirements of Section 13(a) or 15(d) of the
Securities  Exchange Act of 1934, and the  information  contained in this Report
fairly presents,  in all material respects,  the financial condition and results
of operations of Ameriana Bancorp.

                             By:   /s/ Bradley L. Smith
                                   -----------------------------------
                                   Name:  Bradley L. Smith
                                   Title: Senior Vice President - Treasurer


Date: November 14, 2003