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 OptimumBank Holdings, Inc. (the
"Company") on Form 10-QSB for the period ended March 31, 2005 as filed with the
Securities and Exchange Commission (the "Report"), I, Richard L. Browdy, Chief
Financial Officer (Principal Accounting 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:  May 13,  2005               By: /s/Richard L. Browdy
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                                      Richard L. Browdy, Chief Financial Officer