Exhibit 32

                        SECTION 1350 CERTIFICATION OF CEO

     To my  knowledge,  this Report on Form 10-Q for the quarter  ended June 30,
2004,  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: August 16, 2004



                        SECTION 1350 CERTIFICATION OF CFO

     To my  knowledge,  this Report on Form 10-Q for the quarter  ended June 30,
2004,  fully  complies  with the  requirements  of Section 13(a) or 14(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: August 16, 2004