Exhibit 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                                   AS ADDED BY
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

        In connection with the Quarterly Report of Federal Trust Corporation
(the "Company") on Form 10-Q for the period ended September 30, 2004 as filed
with the Securities and Exchange Commission (the "Report"), I, Gregory E. Smith,
Executive Vice President and Chief Financial Officer of the Company, certify,
pursuant to 18 U.S.C.Section 1350, as added by Section 906 of the Sarbanes-Oxley
Act of 2002, 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.      To my knowledge, the information contained in the Report fairly
        presents, in all material respects, the financial condition and results
        of operations of the Company as of and for the period covered by the
        report.

Date: May 13, 2005            By: /s/ Gregory E. Smith
                                  ------------------------------------------
                                  Gregory E. Smith, Executive Vice President
                                  and Chief Financial Officer