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 Unified Financial Services,
Inc. (the "Company") on Form 10-K for the year ended December 31, 2002 (the
"Report"), I, Thomas G. Napurano, Chief Financial Officer of the Company,
certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the
Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

                  (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/ Thomas G. Napurano
                                  ----------------------------------------------
                                  Thomas G. Napurano, Chief Financial Officer of
                                  Unified Financial Services, Inc.

                                  April 8, 2003


         This certificate accompanies the Report pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by the
Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.