Exhibit 32

                            Certification pursuant to
                             18 U.S.C. Section 1350,
                             as adopted pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002


Barry M. Donohue, President and Chief Executive Officer, and William M.
Gilfillan, Executive Vice President and Chief Financial Officer of Atlantic
Liberty Financial Corp. (the "Company"), each certify in his/her capacity as an
officer of the Company that he/she has reviewed the Quarterly Report of the
Company on Form 10-QSB for the quarter ended December 31, 2003 and that to the
best of his/her knowledge:

         1.       the report fully complies with the requirements of Sections
                  13(a) 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.

The purpose of this statement is solely to comply with Title 18, Chapter 63,
Section 1350 of the United States Code, as amended by Section 906 of the
Sarbanes-Oxley Act of 2002.





February 6, 2004            /s/ BARRY M. DONOHUE
Date                        ----------------------------------------------------
                            Barry M. Donohue
                            President and Chief Executive Officer


February 6, 2004            /s/ WILLIAM M. GILFILLAN
Date                        ----------------------------------------------------
                            William M. Gilfillan
                            Executive Vice President and Chief Financial Officer

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