We 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 Report of Northern States Financial Corporation on Form
10-K for the year ended
December 31, 2005 fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934 and that information contained in such Report fairly
presents, in all material respects, the financial condition and the results of operations of
Northern States Financial Corporation as of and for the periods covered by the Report.