COMMERCIAL NATIONAL FINANCIAL CORPORATION

EXHIBIT 32(b)

                            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 Commercial National Financial
Corporation (the"Company") on Form 10-K for the period ending December 31, 2003
as filed with the Securities and Exchange Commission on the date hereof (the
"Report), I, Patrick G. Duffy, Chief Financial Officer of the Company, certify,
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

(1)      The Annual 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 Annual Report fairly presents, in all
         material respects, the financial condition and result of operations of
         the Company.

/s/Patrick G. Duffy
---------------------------
Patrick G. Duffy
Chief Financial Officer
March 26, 2004

This certification accompanies each 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 Corporation for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.

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.

                                       18