Exhibit 32.1

                   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


              Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Section
1350 of Chapter 63 of Title 18 of the United States Code), each of the
undersigned officers of American Business Financial Services, Inc. (the
"Company"), does hereby certify with respect to the Annual Report of the Company
on Form 10-K/A (Amendment No. 2) for the period ended June 30, 2003 (the
"Report") 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 results of operations
         of the Company.



Date: December 11, 2003                           /s/ Anthony J. Santilli
                                                  -----------------------------
                                                  Anthony J. Santilli
                                                  Chief Executive Officer


Date: December 11, 2003                           /s/ Albert W. Mandia
                                                  -----------------------------
                                                  Albert W. Mandia
                                                  Chief Financial Officer

              The foregoing certification is being furnished solely pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002 (Section 1350 of Chapter 63 of
Title 18 of the United States Code) and is not being filed as part of the Report
or as a separate disclosure document.