EXHIBIT 32.1


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ENACTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Quarterly Report of DCB Financial Corp (the "Company") on
Form 10-Q for the period ending September 30, 2004 as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Jeffrey Benton,
President and Chief Executive Officer of the Company, certify, pursuant to 18
U.S.C. Section 1350, as enacted 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; 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/ Jeffrey Benton


Jeffrey Benton
President and Chief Executive Officer
November 5, 2004