EXHIBIT 99



                  CERTIFICATION PURSUANT TO SECTION 906 OF THE

                           SARBANES-OXLEY ACT OF 2002

In  connection  with the  filing of the  Annual  Report on Form 10K for the Year
Ended  December  31,  2002 (the  "Report")  by Ames  National  Corporation  (the
"Company"),  each of the  undersigned  officers of the Company hereby  certifies
that:

1.   The Report fully complies with the  requirements  of Section 13(a) or 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 financial condition and results of operations of the Company
     as of and for the period covered by the Report.

IN WITNESS WHEREOF,  the undersigned have executed this  Certification as of the
31st day of March, 2003.

                                                  /s/  Daniel L. Krieger
                                                  -----------------------------
                                                  Daniel L. Krieger, President
                                                  (Principal Executive Officer)

                                                  /s/  John P. Nelson
                                                  -----------------------------
                                                  John P. Nelson, Vice President
                                                  (Principal Financial Officer)

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