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                                                                    EXHIBIT 99.2


                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
                                   PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

            I, Mark DeBacker, the chief financial officer of Evans Bancorp, Inc
(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 the Annual Report of Evans Bancorp, Inc. on Form 10-K for the fiscal year
ended December 31, 2002 fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934 and that information contained in
such Annual Report on Form 10-K fairly presents in all material respects the
financial condition and results of operations of Evans Bancorp, Inc.. This
certification is made to comply with the provisions of Section 906 of the
Sarbanes-Oxley Act and is not intended to be used for any other purpose.

Date: March 24, 2003






                            By:            /s/ Mark DeBacker
                                           -------------------------------------
                                 Name:         Mark DeBacker
                                 Title:        Senior Vice President and Chief
                                               Financial Officer