EXHIBIT 32.2

                    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 Quarterly Report of Second Bancorp Incorporated ("Second
Bancorp") on Form 10-Q for the quarterly period ending June 30, 2003, as filed
with the Securities and Exchange Commission on the date hereof (the "Quarterly
Report"), I, David L. Kellerman, Chief Financial Officer and Treasurer 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 Quarterly 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 Quarterly Report fairly presents, in
          all material respects, the financial condition and results of
          operations of Second Bancorp.

Date:      August 13, 2003                /s/ David L. Kellerman
                                          ------------------------------------
                                          David L. Kellerman, Chief Financial
                                          Officer and Treasurer




A signed original of this written statement required by Section 906 has been
provided to Second Bancorp Incorporated and will be retained by Second Bancorp
Incorporated and furnished to the Securities and Exchange Commission or its
staff upon request.



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