EXHIBIT 32.2
                                                                    ------------

                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

         Pursuant to 18 U.S.C. Section 1350, the undersigned officer of National
Penn Bancshares, Inc. (the "Company") hereby certifies that the Company's
Quarterly Report on Form 10-Q for the quarter ended September 30, 2004 (the
"Report") fully complies with the requirements of Section 13(a) or 15(d), as
applicable, of the Securities Exchange Act of 1934, and that the information
contained in the Report fairly presents, in all material respects, the financial
condition and results of operations of the Company.


Date: November 4, 2004        /s/ Gary L. Rhoads
                              --------------------------------------------------
                              Name:    Gary L. Rhoads
                              Title:   Treasurer and Chief Financial Officer


         The foregoing certification is being furnished solely pursuant to 18
U.S.C. Section 1350 and not for any other purpose.


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