EXHIBIT 32.2
                            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 December 31, 2004 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, David E. Ritter Senior Vice President and Chief Financial 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/ David E. Ritter
                                            -----------------------
                                            David E. Ritter
                                            Senior Vice President and
                                            Chief Financial Officer


                                            Date: February 14, 2005