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 Annual Report on Form 10-K of United Bancorporation of
Alabama Inc. for the period ending December 31, 2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I,
Mitchell D. Staples, Principal Financial Officer of the Corporation, certify
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that, to the best of my knowledge:

         (1).     The Report fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934, as
                  amended; and

         (2).     The information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Corporation.



Date: March 28, 2003                         By: /s/ Mitchell D. Staples
                                                 -------------------------------
                                                 Mitchell D. Staples
                                                 Principle financial officer