EXHIBIT 99.1

                  CERTIFICATIONS OF CHIEF EXECUTIVE OFFICER AND
              CHIEF FINANCIAL OFFICER PURSUANT TO TITLE 18, UNITED
                 STATES CODE, SECTION 1350, AS ADOPTED PURSUANT
                TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      In connection with the Quarterly Report of Cortland Bancorp (the
"Company") on Form 10-Q for the quarterly period ended September 30, 2002 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Rodger W. Platt , the Chief Executive Officer of the Company,
certify, pursuant to Title 18, United States Code, Section 1350, as adopted
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.


                                        /s/Rodger W. Platt
                                        --------------------------------------
                                        Print Name:  Rodger W. Platt
                                        Title:  Chief Executive Officer
                                        Date: November 7, 2002

      In connection with the Quarterly Report of Cortland Bancorp (the
"Company") on Form 10-Q for the quarterly period ended September 30, 2002 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Lawrence A. Fantauzzi, the Chief Financial Officer of the Company,
certify, pursuant to Title 18, United States Code, Section 1350, as adopted
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.


                                        /s/Lawrence A. Fantauzzi
                                        --------------------------------------
                                        Print Name:  Lawrence A. Fantauzzi
                                        Title:  Chief Financial Officer
                                        Date:  November 7, 2002