EXHIBIT 32.2


                  CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350


      The following certification accompanies the issuer's Annual Report on
           Form 10-K and is not filed, as provided in Release 33-8212.
                         34-47551 dated March 21, 2003.




                                  EXHIBIT 32.2

                  CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

In  connection  with the  accompanying  Annual  Report on Form 10-K of North Bay
Bancorp for the year ended December 31, 2003, I, Lee-Ann Cimino, Chief Financial
Officer of North Bay Bancorp, hereby certify pursuant to 18 U.S.C. Section 1350,
as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2003, that:

(1) such  Annual  Report on Form 10-K of North Bay  Bancorp  for the year  ended
December 31, 2003,  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 such Annual  Report on Form 10-K of North Bay
Bancorp for the year ended December 31, 2003,  fairly presents,  in all material
respects,  the  financial  condition  and  results  of  operations  of North Bay
Bancorp.


Dated:  March25, 2004

                                                 /s/ Lee-Ann Cimino
                                                 ------------------------------
                                                 LEE-ANN CIMINO
                                                 Senior Vice President and Chief
                                                 Financial Officer
                                                 (Principal Financial Officer)