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")
quarterly report on Form 10-Q for the period ended March 31, 2005, as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Jose Rafael Fernandez, 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 9th day of May, 2005.

                                     By: /s/Jose Rafael Fernandez
                                        -------------------------
                                         Jose Rafael Fernandez
                                         President and Chief Executive Officer