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 Annual Report of NB&T Financial Group, Inc. (the
"Company"), on Form 10-K for the period ended December 31, 2002, dated the date
of this Certification (the "Report"), I, Timothy L. Smith, the President and the
Chief Executive Officer of the Company, 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 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.


Date: March 18, 2003                       /s/ Timothy L. Smith
                                           -------------------------------------
                                           Timothy L. Smith
                                           President and Chief Executive Officer

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