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. ss. 1350, and accompanies the quarterly
report on Form 10-Q for the quarter ended September 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: November 10, 2004
                                             /s/ Jeffrey L. Karafa
                                      -------------------------------------
                                               Jeffrey L. Karafa
                                      Treasurer and Chief Financial Officer,
                                              Dearborn Bancorp, Inc.