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 (the
"Company") on Form 10-Q for the period ending March 31, 2003 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Stephen
F. Carman, Vice President and Treasurer of the Company, 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 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.


Stephen F. Carman
- -----------------
Stephen F. Carman
Vice President and Treasurer
May 15 2003




Note: A signed original of this written statement required by Section 906 has
been provided to Yardville National Bancorp and will be retained by Yardville
National Bancorp and furnished to the Securities and Exchange Commission or its
staff upon request.









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