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


         In connection with the Annual Report of Second Bancorp Incorporated
("Second Bancorp") Form 10-K for the fiscal year ending December 31, 2002, as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, David L. Kellerman, Treasurer (Chief Financial Officer) of Second
Bancorp, certify, pursuant to 18 U.S.C. 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 result of
                  operations of Second Bancorp.