Exhibit 99.2

                                  Certification



                            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 American Financial Holdings, Inc.
(the "Company") on Form 10-Q for the period ending June 30, 2002 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Charles J. Boulier III, Chief Financial Officer 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 results of
             operations of the Company as of and for the period covered by the
             Report.




                    /s/ Charles J. Boulier III
                    --------------------------
                    Charles J. Boulier III
                    Senior Executive Vice President, Treasurer
                    and Chief Financial Officer
                    August 13, 2002