EXHIBIT 99.2

                  CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER

                       PURSUANT TO 18 U.S.C. SECTION 1350

In connection with the  accompanying  Quarterly Report on Form 10-Q of North Bay
Bancorp for the quarter ended June 30, 2002, I, Lee-Ann Cimino,  Chief Financial
Officer of North Bay Bancorp, hereby certify pursuant to 18 U.S.C. Section 1350,
as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1) such  Quarterly  Report on Form 10-Q of North Bay  Bancorp  for the  quarter
ended June 30, 2002,  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 such Quarterly Report on Form 10-Q of North Bay
Bancorp for the quarter ended June 30, 2002,  fairly  presents,  in all material
respects,  the  financial  condition  and  results  of  operations  of North Bay
Bancorp.

Dated:  August13,  2002


                                         /s/ Lee-Ann Cimino
                                         ------------------------
                                         LEE-ANN CIMINO
                                         Chief Financial Officer