Exhibit 32

                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002



     The undersigned  executive  officers of Ameriana Bancorp (the "Registrant")
hereby  certify that this Annual Report on Form 10-K for the year ended December
31, 2003 (the "Report") fully complies with the requirements of Section 13(a) or
15(d) of the Securities  Exchange Act of 1934, and the information  contained in
the Report fairly presents,  in all material respects,  the financial  condition
and results of operations of the Registrant.



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



                      By:      /s/ Bradley L. Smith
                               -------------------------------------------------
                               Name:    Bradley L. Smith
                               Title:   Senior Vice President and Principal
                                        Financial and Accounting Officer

Date: March 26, 2004