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                                  EXHIBIT 32.1
                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                                   AS ADDED BY
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     In connection with the Quarterly Report of Greater Atlantic Financial Corp.
(the "Company") on Form 10-Q for the period ended March 31, 2004 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Carroll E. Amos, President and Chief Executive Officer of the Company, certify,
pursuant to 18 U.S.C.ss. 1350, as added by ss. 906 of the Sarbanes-Oxley Act of
2002, that:

A.   The Report fully complies with the requirements of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

B.   The information contained in the Report fairly presents, in all material
     respects, the financial condition and results of operations of the Company
     as of and for the period covered by the Report.


                                           By: /s/ Carroll E. Amos
                                           -----------------------
                                           Carroll E. Amos
                                           President and Chief Executive Officer


                                           Date:  May 27, 2004