Exhibit 99.2

                 FLUSHING FINANCIAL CORPORATION AND SUBSIDIARIES



                            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 Quarterly Report of Flushing  Financial  Corporation (the
"Corporation")  on Form 10-Q for the period  ending  September 30, 2002 as filed
with the Securities and Exchange  Commission on the date hereof (the  "Report"),
I, Monica C.  Passick,  Chief  Financial  Officer of the  Corporation,  certify,
pursuant to 18 U.S.C.  Section 1350,  as adopted  pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that to my knowledge:

(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 Corporation.


By: /s/Monica C. Passick
------------------------
Monica C. Passick
Chief Financial Officer
November 14, 2002