Exhibit 32.0

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 on Form 10-K of Hawthorne Financial Corporation for the year ended December 31, 2003 as filed with the Securities and Exchange Commission on the date hereof, I, Simone Lagomarsino, President and Chief Executive Officer of Hawthorne Financial Corporation, and I, David Rosenthal, Executive Vice President and Chief Financial Officer of Hawthorne Financial Corporation, certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to §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 (15 U.S.C. 78m or 78o(d)); and

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

Date: April 12, 2004 By: /s/ SIMONE LAGOMARSINO
Simone Lagomarsino
President and Chief Executive Officer

Date: April 12, 2004 By: /s/ DAVID ROSENTHAL
David Rosenthal
Executive Vice President and
Chief Financial Officer