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

      In connection with the Quarterly Report on Form 10-Q of Benjamin Franklin
Bancorp, Inc. (the "Company") for the Three Months Ended March 31, 2005, as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), the undersigned Chief Financial Officer of the Company, certifies, to
the best knowledge and belief of the signatory, pursuant to 18 U.S.C. Section
1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002,
that:

            (1) The Report fully complies with the requirements of Section 13(a)
      or 15(d) of the Securities Exchange Act of 1934; and

            (2) The information contained in the Report fairly presents, in all
      material respects, the financial condition and results of operations of
      the Company.

/s/ Claire S. Bean
- --------------------------------------------
Claire S. Bean
Chief Financial Officer

B. Date: May 16, 2005