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



In connection with the Quarterly Report of Nittany Financial Corp. (the Company)
on Form 10-QSB for the period ending March 31, 2004 as filed with the Securities
and Exchange Commission on the date hereof (the report),  we, David Z. Richards,
President,  and Gary M. Bradley,  Vice President and Chief  Accounting  Officer,
certify,  pursuant to 18 U.S.C.  ss. 1350, as adopted pursuant to ss. 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.




/s/ David Z. Richards                /s/ Gary M. Bradley
- ---------------------                -------------------------------------------
David Z. Richards                    Gary M. Bradley
President                            Vice President and Chief Accounting Officer



August 13, 2004




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