EXHIBIT 99.1

                             CERTIFICATE 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 for the three months
ended March 31, 2003, of Commercial Federal Corporation as filed with the
Securities and Exchange Commission on May 15, 2003 (the "Report"), I, hereby
certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906
of the Sarbanes-Oxley Act of 2002 that, to my knowledge, the Report fully
complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934 and the information contained in the Report fairly
presents, in all material respects, the financial condition and results of
operations of Commercial Federal Corporation.

Date: May 15, 2003

                             By: /s/ William A. Fitzgerald
                                ________________________________________________
                                 William A. Fitzgerald
                                 Chairman of the Board and Chief Executive
                                 Officer