Exhibit 32.1

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

OF BNL FINANCIAL CORPORATION

PURSUANT TO 18 U.S.C. § 1350

In connection with the accompanying report on Form 10K for the period ending December 31, 2005 and filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Wayne E. Ahart, Chief Executive Officer of BNL Financial Corporation, hereby certify, pursuant to 18 U.S.C. § 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 this Report fairly presents, in all material respects the financial condition and results of operations of the Company.

/s/ Wayne E. Ahart

_______________________

Wayne E. Ahart

Chief Executive Officer

March 31, 2006

Exhibit 32.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

OF BNL FINANCIAL CORPORATION

PURSUANT TO 18 U.S.C. § 1350

In connection with the accompanying report on Form 10K for the period ending December 31, 2005 and filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Barry N. Shamas, Chief Financial Officer of BNL Financial Corporation, hereby certify, pursuant to 18 U.S.C. § 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 this Report fairly presents, in all material respects the financial condition and results of operations of the Company.

/s/ Barry N. Shamas

_______________________

Barry N. Shamas

Chief Financial Officer

March 31, 2006

E-3