EXHIBIT 32.2


The following certification  accompanies North Bay Bancorp's Quarterly Report on
Form 10-Q and is not filed as provided in SEC Release Nos. 33-8212, 34-47551 and
IC 25967, dated March 21, 2003.


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


In connection with the  accompanying  Quarterly Report on Form 10-Q of North Bay
Bancorp for the quarter  ended  September  30, 2004,  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
2002, that:


(1) such  Quarterly  Report on Form 10-Q of North Bay  Bancorp  for the  quarter
ended September 30, 2004,  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 Quarterly Report on Form 10-Q of North Bay
Bancorp for the quarter  ended  September  30,  2004,  fairly  presents,  in all
material  respects,  the financial  condition and results of operations of North
Bay Bancorp.


Dated:  November 12, 2004


                          /s/ Lee-Ann Cimino
                         ---------------------------
                         LEE-ANN CIMINO
                         Chief Financial Officer




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