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  June 30, 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:     August 5, 2005

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