Exhibit 32.2
                            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 Quarterly Report of Lawrence Financial Holdings,
Inc. (the "Company") on form 10-QSB for the period ending June 30, 2004 as filed
with the Securities and Exchange Commission on the date hereof (the "report),

I, RobRoy Walters, Chief Financial Officer of the Company, certify, pursuant to
18 U.S.C.ss.1350, as adopted pursuant to ss.906 of the Sarbanes-Oxley Act of
2002, that:

        1. The report fully complies with the requirement of Section 13(a) or
15(d) of the Securities and 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
Company.




                               /s/ RobRoy Walters
                           ----------------------------
                             Chief Financial Officer
                                 RobRoy Walters
                                 August 12, 2004




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