Exhibit 99.2

                            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 Yardville National Bancorp, Inc. (the
"Company") on Form 10 Q for the period ending September 30, 2002 as filed with
the Securities and Exchange commission on the date hereof (the "Report"), I,
Stephen F. Carman, Treasurer of the Company, certify, pursuant to 18 U.S.C.
1350, as adopted pursuant to 906 of the Sabranes-Oxley Act of 2002, that:


    (1) The Report fully complies with the requirements of section 13(a) or
        15(d) of the Securities and 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/ Stephen F. Carman
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Stephen F. Carman
Treasurer
November 14, 2002