Exhibit 99.3

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

     In connection with the Quarterly Report of Killbuck Bancshares, 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, Diane Knowles, Chief Financial Officer of the Company,
     certify, pursuant to 18 U.S.C. section 1350, as enacted 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
         the Company.


By:/s/Diane S. Knowles


Diane S. Knowles
Chief Financial Officer
November 13, 2002