EXHIBIT 99.2

                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
                  ---------------------------------------------

In connection with the Quarterly Report on Form 10-Q of Western Ohio Financial
Corporation (the "Company") for the quarterly period ended September 30, 2002 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Craig F. Fortin, Chief Financial Officer of the Company, certify,
pursuant to section 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.




                            By: /s/ Craig F. Fortin
                            Name: Craig F. Fortin
                            Chief Financial Officer
                            November 13, 2002