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 annual report on Form 10-K for  the fiscal year ended  December
 31, 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:     March 30, 2005

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