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

      This certification is provided pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, and accompanies the annual
report on Form 11-K for the plan year ended December 31, 2003 (the "Form 11-K")
of Community Shores Bank 401k Plan (the "Issuer").

      I, Tracey A. Welsh, Trustee of the 401k Plan, certify that to my
knowledge:

      (i)   the Form 11-K fully complies with the requirements of Section 13(a)
            or Section 15(d) of the Securities Exchange Act of 1934 (15 U.S.C.
            78m(a) or 78o(d)); and

      (ii)  the information contained in the Form 11-K fairly presents, in all
            material respects, the financial condition and results of operations
            of the Issuer.

Dated: June 28, 2005

                                          /s/ Tracey A. Welsh
                                          --------------------------------
                                          Tracey A. Welsh
                                          Trustee of the Issuer
                                          (chief financial officer)

A signed original of this written statement required by Section 906 has been
provided to Community Shores Bank 401k Plan and will be retained by Community
Shores Bank 401k Plan and furnished to the Securities and Exchange Commission or
its staff upon request.