DEARBORN BANCORP, INC.
FORM 10-K (continued)
                                                                    EXHIBIT 99.2


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



         This certification is provided pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, 18 U.S.C. ss. 1350, and accompanies the annual
report on Form 10-K for the year ended December 31, 2002 (the "Form 10-K") of
Dearborn Bancorp, Inc. (the "Issuer").

         I, Jeffrey L. Karafa, Treasurer and Chief Financial Officer of the
Issuer, certify that:

         (i)      The Form 10-K fully complies with the requirements of Section
                  13(a) or Section 15(d) of the Securities Exchange Act of 1934
                  (15 U.S.C. 78m(a) or 78o(d)); and

         (ii)     The information contained in the Form 10-K fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Issuer.



Dated: March 25, 2003

                                            /s/ Jeffrey L. Karafa
                                       ------------------------------
                                                 Jeffrey L. Karafa
                                      Treasurer and Chief Financial Officer,
                                                Dearborn Bancorp, Inc.