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 of Cumberland Bancorp,
Incorporated (the "Company") 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, Andy LoCascio, Chief Financial Officer of the Company,
certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss.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.


/s/ Andy LoCascio
- ----------------------------
Andy LoCascio
Chief Financial Officer
March 31, 2003


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