Exhibit 99.2



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


    In connection with the Annual Report of Royal Bancshares ("Royal") on form
10-K for the period ending December 31, 2002, as filed with the Securities and
Exchange Commission (the "Report"), I, Jeffrey T. Hanuscin, certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 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 Royal as of the dates and for the periods expressed
               in the Report.



                                                        /s/ Jeffrey T. Hanuscin
                                                        Chief Financial Officer