EXHIBIT 32.2

                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection with the Quarterly Report on Form 10-Q of Western Ohio Financial
Corporation (the "Company") for the quarterly period ending June 30, 2003 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Richard K. Smith, Chief Financial Officer of the Company, certify,
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 the Company.



By:  /s/ Richard K. Smith
Name:  Richard K. Smith
Chief Financial Officer
August 14, 2003


A signed original of this written statement required by Section 906, or another
document authenticating, acknowledging or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to the Company and will be retained
by the Company and furnished to the Securities and Exchange Commission or its
Staff upon request.

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