Exhibit 99.2

                    CERTIFICIATION OF CHIEF FINANCIAL OFFICER
                   PURSUANT TO SECTION 18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

I, Drew K. Hostetter, Chief Financial Officer of Susquehanna Bancshares, Inc.
(the "Company"), hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that the Company's
Quarterly Report on Form 10-Q for the period ended June 30, 2002 (the "Report")
filed with the Securities and Exchange Commission as of the date hereof:

     (1) fully complies with the requirements of Section 13(a) or 15(d) of the
Securities Exchange Act of 1934 (15 U.S.C.(S)78m(a) or(S)78o(d)); and

     (2) the information contained in the Report fairly presents, in all
material respects, the financial condition and results of operation of the
Company.


                                            /s/ Drew K. Hostetter
                                            ------------------------------------
                                            Drew K. Hostetter
                                            Chief Financial Officer

                                            August 13, 2002