Exhibit 13.1

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

In  connection  with the Annual Report of Israel Bank of  Agriculture  Ltd. (the
"Bank") on Form 20-F for the period  ended  December  31, 2003 as filed with the
Securities and Exchange  Commission on the date hereof (the  "Report"),  We, Lea
Patalovsky,  General  Manager  of the Bank,  and Yakov  Cohen,  Chief  Financial
Officer of the Bank,  certify,  pursuant to 18 U.S.C.  section  1350, as adopted
pursuant to 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)   The information  contained in the Report fairly presents,  in all material
      respects, the financial condition and results of operations of the Bank.

June 26, 2005


Lea Patalovsky
General Manager


/s/ Lea Patalovsky
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Yakov Cohen
Chief Financial Officer


/s/ Yakov Cohen
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