These  certifications as also included in Penseco Financial Services Corporation
2003 10-K on page 42.


CERTIFICATION  OF  PERIODIC  FINANCIAL  REPORT  PURSUANT  TO SECTION  906 OF THE
SARBANES-OXLEY ACT OF 2002


Pursuant to Section 906 of the  Sarbanes-Oxley  Act of 2002  (subsection (a) and
(b)  of  Section  1350,  Chapter  63 of  Title  18,  United  States  Code),  the
undersigned  officer of Penseco Financial  Services  Corporation (the "Company")
certifies to his knowledge that:

     (1) The  Annual  Report  on Form  10-K of the  Company  for the year  ended
     December 31, 2003 (the "Form 10-K") fully complies with the requirements of
     Section 13(a) or 15(d) of the Securities  Exchange Act of 1934 (the "Act");
     and

     (2) The  information  contained  in the Form 10-K fairly  presents,  in all
     material  respects,  the financial  conditions and results of operations of
     the  Company as for the dates and for the  periods  referred to in the Form
     10-K.

                             /s/ OTTO P. ROBINSON JR
                             -----------------------
                             Otto P. Robinson, Jr.
                             President
                             February 19, 2004

The foregoing certification is being furnished solely pursuant to Section 906 of
the  Sarbanes-Oxley Act of 2002 (subsection (a) and (b) of Section 1350, Chapter
63 of Title 18, United States Code).

A signed  original  of the  foregoing  certification  has been  provided  to the
Company and will be retained by the Company in accordance with Rule 12b-11(d) of
the Act and  furnished to the  Securities  and Exchange  Commission or its staff
upon request.

This  certification  is  qualified  in its entirety by the report to which it is
attached as an exhibit.

--------------------------------------------------------------------------------

CERTIFICATION  OF  PERIODIC  FINANCIAL  REPORT  PURSUANT  TO SECTION  906 OF THE
SARBANES-OXLEY ACT OF 2002


Pursuant to Section 906 of the  Sarbanes-Oxley  Act of 2002  (subsection (a) and
(b)  of  Section  1350,  Chapter  63 of  Title  18,  United  States  Code),  the
undersigned  officer of Penseco Financial  Services  Corporation (the "Company")
certifies to his knowledge that:

     (1) The  Annual  Report  on Form  10-K of the  Company  for the year  ended
     December 31, 2003 (the "Form 10-K") fully complies with the requirements of
     Section 13(a) or 15(d) of the Securities  Exchange Act of 1934 (the "Act");
     and

     (2) The  information  contained  in the Form 10-K fairly  presents,  in all
     material  respects,  the financial  conditions and results of operations of
     the  Company as for the dates and for the  periods  referred to in the Form
     10-K.

                             /s/ PATRICK SCANLON
                             -----------------------
                             Patrick Scanlon
                             Controller
                             February 19, 2004

The foregoing certification is being furnished solely pursuant to Section 906 of
the  Sarbanes-Oxley Act of 2002 (subsection (a) and (b) of Section 1350, Chapter
63 of Title 18, United States Code).

A signed  original  of the  foregoing  certification  has been  provided  to the
Company and will be retained by the Company in accordance with Rule 12b-11(d) of
the Act and  furnished to the  Securities  and Exchange  Commission or its staff
upon request.

This  certification  is  qualified  in its entirety by the report to which it is
attached as an exhibit.