EXHIBIT 99.3

The following certification is provided by the undersigned Vice President and
Principal Financial and Accounting Officer of UnionBancorp, Inc. on the basis of
such officer's knowledge and belief for the sole purpose of complying with 18
U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002.

                                  CERTIFICATION
                                  -------------
In connection with the Annual Report of UnionBancorp, Inc. (the "Company") on
Form 10-K for the period ended December 31, 2002 as filed with the Securities
and Exchange Commission on March 17, 2003 (the "Report"), I, Kurt R. Stevenson,
Vice President and Principal Financial and Accounting Officer of the Company,
hereby 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 Report fully complies with the requirements of Section 13(a)
               or 15(d) of the Securities Exchange Act of 1934, as amended; and

        (2)    The information contained in the Report fairly presents, in all
               material respects, the financial condition and results of
               operations of the Company.


                              /S/ Kurt R. Stevenson
                   ------------------------------------------
                             Name: Kurt R. Stevenson
                            Title: Vice President and
                   Principal Financial and Accounting Officer
                              Date: March 17, 2003