Exhibit 99.2
                                                                 (Form 10-K/A-1)

                            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 Amendment No. 1 to Annual Report of Citizens Banking
Corporation ("Citizens") on Form 10-K for the period ending December 31, 2002 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Charles D. Christy, Chief Financial Officer of the Company,
certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C.
Section 1350, that:

(1)  The Report fully complies with the requirements of Section 13(a) 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 Citizens.

Dated: June 9, 2003

                                         /s/ Charles D. Christy
                                         -----------------------------
                                         Charles D. Christy
                                         Executive Vice President and
                                         Chief Financial Officer

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