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 Annual Report of Consumers Financial  Corporation on Form
10-K for the period  ended  December 31, 2003 as filed with the  Securities  and
Exchange  Commission  on the date hereof (the  "Report"),  I, Donald J. Hommel;,
Chief Financial Officer of Consumers Financial Corporation,  certify to the best
of my knowledge,  pursuant to 18 U.S.C. (S) 1350, as adopted pursuant to (S) 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 Consumers Financial Corporation .

/s/ Donald J Hommel
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Donald J. Hommel
Chief Financial Officer
May 20, 2004