<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>4
<FILENAME>bvfiancialexb32.txt
<TEXT>
                                                                    EXHIBIT 32.0


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


         In connection with the Quarterly Report of BV Financial, Inc. (the
"Company") on Form 10-QSB for the quarterly period ended December 31, 2004, as
filed with the Securities and Exchange Commission (the "Report"), I hereby
certify pursuant to 18 U.S.C. Section 1350, as added by Section 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; and

2.       The information contained in this Report fairly presents, in all
         material respects, the consolidated financial condition and results of
         the Company as of and for the period covered by this Report.



                                        By:/s/ Carolyn M. Mroz
                                           -------------------------------------
                                           Carolyn M. Mroz
                                           President and Chief Executive Officer
                                           February 14, 2005




                                        By:/s/ Edmund T. Leonard
                                           -------------------------------------
                                           Edmund T. Leonard
                                           Chairman of the Board and Chief
                                              Financial Officer
                                           February 14, 2005

</TEXT>
</DOCUMENT>
