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

                                                                    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

         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 June 30, 2004 (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-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: August 10, 2004

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