EXHIBIT 32.2
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                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                                   AS ADDED BY
                   SECTION 906 OF THE SARBANES-OXLEY ACT 2002


         In connection with the Annual Report of Royal Bancshares ("Royal") on
form 10-K for the period ending March 31, 2004, as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, Jeffrey T. Hanuscin,
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 Royal as of the dates and for the periods
                  expressed in the Report.





                                                    /s/ Jeffrey  T. Hanuscin
                                                    ------------------------
                                                    Jeffrey T. Hanuscin
                                                    Chief Financial Officer
                                                    May 10, 2004.




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