EXHIBIT 32.2

DEARBORN BANCORP, INC.
FORM 10-Q (continued)

                            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. Section 1350, and accompanies the
quarterly report on Form 10-Q for the quarter ended September 30, 2003 (the
"Form 10-Q") of Dearborn Bancorp, Inc. (the "Issuer").

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

         (i)      The Form 10-Q 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-Q fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Issuer.



Dated: November 10, 2003
                                          /s/ Jeffrey L. Karafa
                                 --------------------------------------
                                            Jeffrey L. Karafa
                                 Treasurer and Chief Financial Officer,
                                         Dearborn Bancorp, Inc.




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