EXHIBIT 32

CERTIFICATION PURSUANT TO 18 U.S.C. § 1350

I hereby certify that, to the best of my knowledge and belief, this Quarterly Report on Form 10-Q for the period ended September 30, 2003, as filed with the Securities and Exchange Commission on the date hereof the “Report”), fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of Wilshire Financial Services Group Inc.

WILSHIRE FINANCIAL SERVICES GROUP INC.

Date: November 14, 2003	/s/   STEPHEN P. GLENNON
	Stephen P. Glennon
	Chief Executive Officer and
	Chief Financial Officer