EXHIBIT 32.0

                           SECTION 1350 CERTIFICATIONS

         In connection with the Quarterly Report of DutchFork  Bancshares,  Inc.
(the  "Company")  on Form 10-QSB for the fiscal  quarter  ended June 30, 2004 as
filed  with  the  Securities  and  Exchange   Commission  (the  "Report"),   the
undersigned certify, pursuant to 18 U.S.C. Section 1350, as added by Section 906
of the Sarbanes-Oxley Act of 2002, that:

        (1)    The Report fully complies with the  requirements of Section 13(a)
               or 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 as of and for the period covered by the
               Report.


                                      /s/ J. Thomas Johnson
                                      -----------------------------------------
                                      J. Thomas Johnson
                                      President and Chief Executive Officer


                                      /s/ Steve P. Sligh
                                      -----------------------------------------
                                      Steve P. Sligh
                                      Executive Vice President and Chief
                                      Financial Officer


Date:   August 13, 2004
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