Exhibit 99


                            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  Annual  Report  of  Advance  Financial  Bancorp  (the
"Company") on Form 10QSB for the quarter ended  September 30, 2002 as filed with
the Securities and Exchange  Commission on the date hereof (the  "Report"),  we,
Stephen M.  Gagliardi,  President and Chief  Executive  Officer,  and Stephen M.
Magnone,  Treasurer (Chief Financial  Officer),  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 results of operations of the
Company.



/s/ Stephen M. Gagliardi                     /s/ Stephen M. Magnone
- -------------------------------------        -----------------------------------
Stephen M. Gagliardi                         Stephen M. Magnone
President and Chief Executive Officer        Treasurer (Chief Financial Officer)



November 12, 2002