CAROLINA NATIONAL CORPORATION

                                  EXHIBIT 32.2

           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 Carolina National Corporation on Form
10-QSB for the  period  ended June 30,  2004 as filed  with the  Securities  and
Exchange  Commission  on the date  hereof,  I, Carl  Donnelly , Chief  Financial
Officer  of  the  Carolina  National  Corporation,  certify  to the  best  of my
knowledge,  pursuant to 18 U.S.C.  Section 1350, as adopted  pursuant to Section
906 of the Sarbanes-Oxley Act of 2002 that:


1.   The  above-listed  Form 10-QSB  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 above-listed Form 10-QSB fairly presents,
     in all material respects,  the financial condition and result of operations
     of the Company.



Date: August 13, 2004                    /s/CARL M. DONNELLY
                                            ------------------------------------
                                            Carl M. Donnelly
                                            Chief Financial Officer