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, 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:     November 14, 2005

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