First Citizens Banc Corp
                                Index to Exhibits
                                    Form 10-Q
- --------------------------------------------------------------------------------


                                                                    EXHIBIT 99.2

                            CERTIFICATION 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 Quarterly Report of First Citizens Banc Corp (the
"Corporation") on Form 10-Q for the period ending March 31, 2003, as filed with
the Securities and Exchange Commission on the date hereof (the Report"), I, Todd
A. Michel, Chief Financial Officer of the Corporation, certify, pursuant to 18
U.S.C. ss. 1350, as adopted pursuant to ss. 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 Corporation.

/s/ Todd A. Michel

Todd A. Michel
Senior Vice President, Controller
May 15, 2003

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