Exhibit 99.2

                   AMERICAN BUSINESS FINANCIAL SERVICES, INC.


                            CERTIFICATION PURSUANT TO
                               18 U.S.C. ss. 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


This certification is intended to accompany American Business Financial
Services, Inc.'s (the "Company") Quarterly Report on Form 10-Q/A for the three
months ending March 31, 2003 with the Securities and Exchange Commission on the
date hereof (the "Report"), and is given solely for the purpose of satisfying
the requirements of 18 U.S.C. ss. 1350, as adopted pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002. To the best of my knowledge, I, Albert W.
Mandia, hereby certify in my capacity as the Chief Financial Officer of the
Company, 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 the Report fairly presents, in all
         material respects, the financial condition and result of operations of
         the Company.


                                                     Albert W. Mandia
                                                     --------------------
                                                     Albert W. Mandia
                                                     Chief Financial Officer

Date: June 13, 2003