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 Lexington B & L Financial Corp. (the
"Company")  on Form 10-QSB for the period ending December 31, 2002 as filed with
the  Securities  and  Exchange Commission on the date hereof (the "Company"), I,
William J. Huhmann, Chief Financial Officer of the Company, certify, pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of 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 Company as of and for the period covered by the Report.


                                               /s/ William J. Huhmann
                                               ----------------------
                                               Chief Financial Officer/President
                                               February 6, 2003


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