EXHIBIT 32
                CERTIFICATION 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  of  Naugatuck   Valley  Financial
Corporation  (the  "Company")  on Form 10-Q for the period ended  September  30,
2005, as filed with the Securities and Exchange  Commission (the  "Report"),  I,
John C. Roman,  President and Chief Executive Officer of the Company, and I, Lee
R. Schlesinger,  Vice President and Treasurer of the Company,  certify, pursuant
to  18  U.S.C.  Section  1350,  as  adopted  pursuant  to  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 result of operations of the
      Company as of the date and for the period covered by the Report.


/s/ John C. Roman
- -----------------
John C. Roman
President and Chief Executive Officer


/s/ Lee R. Schlesinger
- ----------------------
Lee R. Schlesinger
Vice President and Treasurer
(Principal Financial Officer)

Date: November 14, 2005


                                       20