EXHIBIT 99.2

                                  CERTIFICATION

                            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 Hanmi Financial Corporation (the
"Company") on Form 10-K for the fiscal year ended December 31, 2002, as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, Yong Ku Choe, 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, to the best of my knowledge that:

      (3)   The Report fully complies with the requirements of section 13(a) or
            15(d) of the Securities Exchange Act of 1934; and

      (4)   The information contained in the Report fairly presents, in all
            material respects, the financial condition and result of operations
            of the Company.

Date:   March 28, 2003                                   /s/ Young Ku Choe
                                                         -----------------
                                                         Young Ku Choe

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