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

I, Christopher E. Bell, Senior Vice President and Chief Financial Officer of
Willow Grove Bancorp, Inc., hereby certify, pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that:

         (1)      The Annual report on Form 10-K of the Company for the fiscal
                  year ended June 30, 2003 (the "Report") fully complies with
                  the requirements of Section 13(a) or 5(d) of the Securities
                  Exchange Act of 1934 (15 U.S.C 78m(a) or 78o(d); 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/ Christopher E. Bell
         -----------------------------------
         Christopher E. Bell
         Senior Vice President and Chief Financial Officer

Date:    September 29, 2003






A signed original of this written statement required by Section 906 of the
Sarbanes-Oxley Act has been provided to Willow Grove Bancorp, Inc. and will be
retained by Willow Grove Bancorp, Inc. and furnished to the Securities and
Exchange Commission or its staff upon request.


                                       97