Exhibit 32

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

In  connection  with the  Quarterly  Report  on Form  10-Q of  Peapack-Gladstone
Financial  Corporation,  (the "Corporation") for the quarterly period ended June
30, 2004 as filed with the Securities and Exchange Commission on the date hereof
(the "Report"),  Frank A. Kissel, as Chief Executive Officer of the Corporation,
and Arthur F. Birmingham,  as Chief Financial  Officer,  each hereby  certifies,
pursuant to 18 U.S.C.  (section)  1350, as adopted  pursuant to (section) 906 of
the Sarbanes-Oxley Act of 2002, that, to the best of his knowledge:

(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 Corporation.


/s/ Frank A. Kissel
- ------------------------------
Name:  Frank A. Kissel
Title: Chief Executive Officer
Date:  August 5, 2004


/s/ Arthur F. Birmingham
- ------------------------------
Name:  Arthur F. Birmingham
Title: Chief Financial Officer
Date:  August 5, 2004









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