Citizens Financial Services (CZFS) 10-Q 2002 Q3 Quarterly report

EXHIBIT 99.3
 
 

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 on Form 10-Q of Citizens Financial Services, Inc. (the "Company") for the period ended September 30, 2002, as filed with the Securities and Exchange Commission (the "Report"), I, Randall E. Black, Senior Vice President and Chief Financial Officer, of the Company, 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)  To my knowledge, the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report.
 
 

Date:  November 8, 2002
 

/s/ Randall E. Black

By:  Randall E. Black

Senior Vice President and Chief Financial Officer