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 Baylake Corp. (the "Company") on Form
10-Q for the quarter ended March 31, 2003 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), I, Steven D. Jennerjohn,
Chief Financial Officer 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
to the best of my knowledge:

         (1)      The Quarterly Report on Form 10-Q of the Company for the
                  quarter ended March 31, 2003 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.

/s/ Steven D. Jennerjohn
- ------------------------
Steven D. Jennerjohn
Senior Vice President and Chief Financial Officer
May 13, 2003

This certification accompanies this Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and shall not be deemed filed by the Company for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

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