EXHIBIT 32.2

                  CERTIFICATION OF THE CHIEF FINANCIAL OFFICER
                       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 K-Fed Bancorp (the "Company") on Form
10-K for the fiscal year ended June 30, 2004 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, Daniel A. Cano, Chief
Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350,
as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 and in
connection with this annual report on Form 10-K that:

        3.      The Report fully complies with the requirements of sections
                13(a) or 15(d) of the Securities Exchange Act of 1934, as
                amended, and

        4.      The information contained in the report fairly presents, in all
                material respects, the company's financial condition and results
                of operations.



Date:   September 15, 2004                      /s/ Daniel A. Cano
                                                --------------------------------
                                                Daniel A. Cano
                                                Chief Financial Officer