Citizens Bancshares 10-Q 2004 Q3 Quarterly report

Exhibit 32

CERTIFICATION

The certifications set forth below are hereby submitted to the Securities and Exchange Commission pursuant to, and solely for the purpose of complying with, Section 1350 of Chapter 63 of Title 18 of the United States Code in connection with the filing on the date hereof with the Securities and Exchange Commission of the Quarterly Report on Form 10-Q of the Company for the quarter ended September 30, 2004.

Each of the undersigned hereby certifies in his capacity as an officer of Citizens Bancshares Corporation and subsidiaries (the “Company”) that the Quarterly Report of the Company on Form 10-Q for the period ended September 30, 2004 fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 and that the information contained in such report fairly presents, in all material respects, the financial condition of the Company at the end of such period and the results of operations of the Company for such period.

Date:	November 15, 2004	By:	/s/ James E. Young
		James E. Young
		President and Chief Executive Officer
Date:	November 15, 2004	By:	/s/ Willard C. Lewis
		Willard C. Lewis
		Senior Executive Vice President and
		Chief Operating Officer
Date:	November 15, 2004	By:	/s/ Samuel J. Cox
		Samuel J. Cox
		Senior Vice President and
		Chief Financial Officer

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