Exhibit 32.1

                            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 OptimumBank Holdings, Inc.
(the "Company") on Form 10-QSB for the period ended September 30, 2004 as filed
with the Securities and Exchange Commission (the "Report"), I, Albert J. Finch,
Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C.ss. 1350,
as added by ss. 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:  November 15, 2004          By: /s/ Albert J. Finch
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                                      Albert J. Finch, Chief Executive Officer