Guaranty Bancshares (GNTY) 10-Q 2003 Q1 Quarterly report

EXHIBIT 99.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

OF GUARANTY BANCSHARES, INC.
PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

The undersigned hereby certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 and in connection with this Quarterly Report on Form 10-Q, that:

1 the report fully complies with the requirements of Section 13(a) and 15(d) of the Securities Exchange Act of 1934, as amended, and

2 the information contained in the report fairly presents, in all material respects, the Company’s financial condition and results of operations.

By: /s/Clifton A. Payne
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Clifton A. Payne
Chief Financial Officer

Dated: May 14, 2003

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