EXHIBIT 99.1



                                  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 amendment to the Quarterly Report of R&G
Financial Corporation (the "Company") on Form 10-Q1A for the six month period
ended June 30, 2002, as filed with the Securities and Exchange Commission on the
date hereof (the "Report"), the undersigned hereby certify, pursuant to 18
U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley
Act of 2002, that to the undersigned's best knowledge and belief:

         (a)      the Report fully complies with the requirements of section
13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (b)      the information contained in the Report fairly presents, in
all material respects, the financial condition and results of operations of the
Company.

Dated this 16th day of August, 2002.

                              R&G Financial Corporation


                              /s/ Victor J. Galan
                              ------------------------------
                              Chief Executive Officer

                              /s/ Joseph R. Sandoval
                              ------------------------------
                              Chief Financial Officer


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