EXHIBIT 32d

        CERTIFICATION PURSUANT TO SECTION 1350 OF CHAPTER 63 OF TITLE 18
                            OF THE UNITED STATES CODE

      I, Thomas M. O'Flynn, Chief Financial Officer of Public Service Electric
and Gas Company, to the best of my knowledge, certify that (i) the Annual Report
of Public Service Electric and Gas Company on Form 10-K for the year ended
December 31, 2006 (the "Report") fully complies with the requirements of Section
13(a) or 15(d) of the Securities Exchange Act of 1934 and (ii) the information
contained in the Report fairly presents, in all material respects, the financial
condition and results of operations of Public Service Electric and Gas Company.


                                        /s/ Thomas M. O'Flynn
                                        ----------------------------------------
                                        THOMAS M. O'FLYNN
                                        Public Service Electric and Gas Company
                                        Chief Financial Officer
                                        February 27, 2007