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 June 30, 2006 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:  August 11, 2006                         By: /s/ Richard L. Browdy
                                                   -----------------------------
                                                   Richard L. Browdy,
                                                   Chief Financial Officer