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 March 31, 2005, 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:     May 13, 2005
                                  /s/ Mark J. Morrison
                                  ----------------------------------------
                                  Mark J. Morrison,
                                  Chief Financial Officer