EXHIBIT 99.2:

CERTIFICATION OF CHIEF FINANCIAL OFFICER OF JUNIATA VALLEY FINANCIAL CORP.
PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

The undersigned hereby certify, pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002 and in connection with this Annual Report on Form 10-K, that:

o the report fully complies with the requirements of Sections 13(a) and 15(d) of
the Securities Exchange Act of 1934, as amended, and

o the information contained in the report fairly presents, in all material
respects, the company's financial condition and results of operation.




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Linda L. Engle, Executive VP & CFO


Dated:
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