DEARBORN BANCORP, INC.
FORM 10-K (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 annual
report on Form 10-K for the year ended December 31, 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-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, 2005

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