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 September 30,
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.


                                       -----------------------------------------
                                       /s/ John W. Krichten, Secretary/Treasurer

Date: October 31, 2003