Exhibit 32(b)

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

             I,  Jeffrey R. Passmore,  the  principal  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, 2006, 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 14, 2006

                                  /s/ Jeffrey R. Passmore
                                  ----------------------------------------
                                  Jeffrey R. Passmore,
                                  Principal Financial Officer