BANKATLANTIC BANCORP, INC.

                                                                    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 Annual Report on Form 10-K of BankAtlantic
Bancorp, Inc. (the "Company") for the year ended December 31, 2003, as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, James A. White, Chief Financial Officer of the Company, certify, 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.

BY/s/James A. White
  -----------------------
NAME: JAMES A. WHITE
TITLE: CHIEF FINANCIAL OFFICER
DATE:  MARCH 2, 2004

The foregoing certificate is provided solely for purposes of complying with
Section 906 of the Sarbanes-Oxley Act of 2002 and for no other purpose
whatsoever. Notwithstanding anything to the contrary set forth herein or in any
of the Company's previous filings under the Securities Act of 1933, as amended,
or the Securities Exchange Act of 1934, as amended, that might incorporate the
Company's future filings, including this Annual Report on Form 10-K, in whole or
in part, this Certificate shall not be incorporated by reference into any such
filings. A signed original of this written statement required by Section 906 has
been provided to BankAtlantic Bancorp, Inc. and will be retained by BankAtlantic
Bancorp, Inc. and furnished to the Securities and Exchange Commission or its
staff upon request.