EXHIBIT 32.2

                            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 The Bancorp, Inc. (the "Company") on
Form 10-K for the year ended December 31, 2004 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, Martin F. Egan, 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.

                                            /s/ Martin F. Egan
                                            ------------------------------------
                                            Martin F. Egan
                                            Chief Financial Officer

                                            March 30, 2005