Exhibit 99.2

                  CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350


          In connection with the Quarterly Report of Adams County National Bank
Corporation (the "company") on Form 10-Q for the period ending March 31, 2003,
as filed with the Securities and Exchange Commission (the "Report"), I, John W.
Krichten, Secretary/Treasurer, 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) of
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 the dates and for the periods expressed in the Report.



                                          John W. Krichten, Secretary/Treasurer

Date: May 2, 2003