                                                                    EXHIBIT 32.1

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



         In connection with the Quarterly Report of Adams County National Bank
Corporation (the "company") on Form 10-Q for the period ending March 31, 2004,
as filed with the Securities and Exchange Commission (the "Report"), I, Thomas
A. Ritter, 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) or15(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 Company as of the dates and for the periods
                  expressed in the Report.




                                  /s/ Thomas A. Ritter
                                  -----------------------------------------
                                  Thomas A. Ritter, Chief Executive Officer

Date: April 30, 2004



