Exhibit 32(b)

                  CERTIFICATION PURSUANT TO 18 U.S.C. S 1350


      I,  Mark J. Morrison,  Chief  Financial  Officer  of Hallmark Financial
 Services, Inc. (the "Company"), hereby certify that the accompanying  report
 on  Form  10-Q  for  the  quarter  ended September 30, 2004, and filed  with
 the Securities  and  Exchange  Commission on the date hereof (the "Report"),
 fully  complies  with  the  requirements  of Section 13(a) of the Securities
 Exchange Act of 1934,  as amended.  I  further  certify that the information
 contained  in the Report fairly  presents,  in  all  material  respects, the
 financial condition and results of operations of the Company.


 Date:     November 12, 2004

                                  /s/ Mark J. Morrison
                                  ----------------------------------------
                                  Mark J. Morrison,
                                  Chief Financial Officer