Exhibit 32.2

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

      In connection with the Quarterly Report on Form 10-Q of CCBT Financial
Companies, Inc. (the "Company") for the quarter ended June 30, 2003 , as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
the undersigned Chief Financial Officer and Treasurer for the Company, certifies
pursuant to 18 U.S.C. ss.1350, as adopted pursuant to 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 the Report fairly presents, in all
            material respects, the financial condition and results of operations
            of the Company.

      This certification is provided solely pursuant to 18 U.S.C. Section 1350
and Item 601(b)(32) of Regulation S-K ("Item 601(b)(32)") promulgated under the
Securities Act of 1933 (the "Securities Act") and the Securities Exchange Act of
1934 (the "Exchange Act"). In accordance with clause (ii) of Item 601(b)(32),
this certification (A) shall not be deemed "filed" for purposes of Section 18 of
the Exchange Act, or otherwise subject to the liability of that section, and (B)
shall not be deemed to be incorporated by reference into any filing under the
Securities Act or the Exchange Act, except to the extent that the Company
specifically incorporates it by reference.


/s/ PHILLIP W. WONG, Executive Vice President and Chief Financial Officer
- ---------------------------------------------------------------------------
      Phillip W. Wong, Executive Vice President and Chief Financial Officer



Date: August 13, 2003
      ---------------------------------------------------------------------

                                       35