Exhibit 99.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                                   AS ADDED BY
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

          In connection with the Annual Report of First Capital, Inc. (the
"Company") on Form 10-KSB for the fiscal year ended December 31, 2002 as filed
with the Securities and Exchange Commission (the "Report"), I, Michael C.
Frederick, Senior Vice President, Chief Financial Officer and Treasurer of the
Company, certify, pursuant to 18 U.S.C. Section 1350, as added by Section 906 of
the Sarbanes-Oxley Act of 2002, that:

          (1)  The Report fully complies with the requirements of Section 13(a)
               or 15(d) of the Securities Exchange Act of 1934; and

          (2)  The information contained in the Report fairly presents, in all
               material respects, the financial condition and results of
               operations of the Company as of and for the period covered by the
               Report.


                                        /s/ Michael C. Frederick
                                        ----------------------------------------
                                        Michael C. Frederick
                                        Senior Vice President, Chief Financial
                                        Officer and Treasurer

Date:   March 28, 2003


A signed original of this written statement required by Section 906 has been
provided to First Capital, Inc. and will be retained by First Capital, Inc. and
furnished to the Securities and Exchange Commission or its staff upon request.