EXHIBIT 99.2

       CERTIFICATION OF CHIEF FINANCIAL OFFICER OF SUMMIT BANCSHARES, INC.

      This certification is provided pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and accompanies the annual report on Form 10-K (the
"Form 10-K") for the year ended December 31, 2002 of Summit Bancshares, Inc.
(the "Issuer").

I, Bob G. Scott, the Executive Vice President, Chief Operating Officer, and
Chief Financial Officer of the Issuer certify that:

      (i)   the Form 10-K fully complies with the requirements of section 13(a)
            or section 15(d) of the Securities Exchange Act of 1934 (U.S.C.
            78m(a) or 78o(d)); and
      (ii)  the information contained in the Form 10-K fairly presents, in all
            material respects, the financial condition and results of operations
            of the Issuer.

Dated:   March 22, 2003
                                            /s/ Bob G. Scott
                                            ------------------------------------
                                   Name:    Bob G. Scott
                                   Title:   Executive Vice President and COO/CFO

Subscribed and sworn to before me on this 22nd day of March, 2003.

                                            /s/ Karen S. Appel
                                            ------------------------------------
                                   Name:    Karen S. Appel
                                   Title:   Notary Public

My commission expires: August 5, 2006