EXHIBIT 99.1
                                 HORIZON BANCORP

                   CERTIFICATION OF PERIODIC FINANCIAL REPORT
                       PURSUANT TO 18 U.S.C. SECTION 1350

         Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906
of the Sarbanes-Oxley Act of 2002, each of the undersigned officers of Horizon
Bancorp (the "COMPANY") certifies that the Quarterly Report on Form 10-Q of the
Company for the quarter ended June 30, 2002 fully complies with the requirements
of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and information
contained in that Form 10-Q fairly presents, in all material respects, the
financial condition and results of operations of the Company.





Dated:   August 9, 2002               /s/ Craig M. Dwight
                                      -----------------------------------------
                                               Craig M. Dwight
                                               Chief Executive Officer




Dated:   August 9, 2002               /s/ James H. Foglesong
                                      ---------------------------------------
                                               James H. Foglesong
                                               Chief Financial Officer