EXHIBIT 99.1


                   COMMERCIAL NATIONAL FINANCIAL CORPORATION

                 CERTIFICATION OF QUARTERLY REPORT ON FORM 10-Q
                                       OF
                    COMMERCIAL NATIONAL FINANCIAL CORPORATION

                  FOR THE QUARTERLY PERIOD ENDED MARCH 31, 2003

The undersigned are the Chief Executive Officer and the Chief Financial Officer
of Commercial National Financial Corporation (the "Registrant"). This
Certification is made pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
This Certification accompanies the Quarterly Report on Form 10-Q of the
Registrant for the quarterly period ended March 31, 2003.

We certify that such Quarterly Report on Form 10-Q fully complies with the
requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934
and that the information contained in such 10-Q Report fairly presents, in all
material respects, the financial condition and results of operations of the
Registrant.

This Certification is executed as of May 13, 2003.


                                           /s/ Jeffrey S. Barker
                                           ------------------------------
                                           Jeffrey S. Barker
                                           President and Chief Executive Officer


                                           /s/ Patrick G. Duffy
                                           ------------------------------
                                           Patrick G. Duffy
                                           Executive Vice President and
                                           Chief Financial Officer



A signed original of this written statement required by Section 906 has been
provided to Commercial National Financial Corporation and will be retained by
Commercial National Financial Corporation and furnished to the Securities and
Exchange Commission or its staff upon request.






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