EXHIBIT 32.1

                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
                            (18 U.S.C. SECTION 1350)

In connection with Oriental Financial Group Inc.'s ("Oriental") annual report on
Form 10-K for the year ended June 30, 2004, as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, Jose E. Fernandez,
Chairman of the Board of Directors, President and Chief Executive Officer of
Oriental, hereby certify, pursuant to Section 906 of the Sarbanes-Oxley Act of
2002 (18 U.S.C. Section 1350), 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 Oriental.

      In witness whereof, I execute this certification in San Juan, Puerto Rico,
this 13th day of September, 2004.

                                   /s/ Jose Enrique Fernandez
                                   ---------------------------------------
                                   Jose Enrique Fernandez
                                   Chairman of the Board,
                                   President and Chief Executive Officer