NSD BANCORP INC
CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>3
<FILENAME>dex104.txt
<DESCRIPTION>CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
<TEXT>
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                                                                    Exhibit 10.4

                                CERTIFICATION OF
                           PRINCIPAL FINANCIAL OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

     In connection with the Quarterly Report of NSD Bancorp, Inc. (the
"Corporation") on Form 10-Q for the period ending June 30, 2002, as filed with
the Securities and Exchange Commission (the "Report"), I, James P. Radick,
Treasurer, 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 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 Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Corporation as of the dates and for the periods expressed in
          the Report.

Dated: August 14, 2002    /s/ James P. Radick
                          ------------------------------------------------------
                            James P. Radick, Treasurer (Principal Financial and
                            Accounting Officer)

<PAGE>



                  CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

        In connection with the Quarterly Report of NSD Bancorp, Inc. (the
"Corporation") on Form 10-Q for the period ending June 30, 2002, as filed with
the Securities and Exchange Commission (the "Report"), I, Lloyd G. Gibson,
President and Chief Executive Officer, 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 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 Report fairly presents, in all
             material respects, the financial condition and results of
             operations of the Corporation as of the dates and for the periods
             expressed in the Report.


Dated:  August 14, 2002

        /S/ Lloyd G. Gibson
        --------------------------------------------------------------------
            Lloyd G. Gibson, President & CEO (Principal Executive Officer)

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