Attached files

                                  Exhibit 32



      CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER OF
                             HORIZON FINANCIAL CORP.
         PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C.
Section 1350), each of the undersigned hereby certifies in his capacity as an
officer of Horizon Financial Corp. (the "Company") and in connection with this
Quarterly Report on Form 10-Q ("Report"), that:

      1.  the report fully complies with the requirements of Sections 13(a)
          and 15(d) of the Securities Exchange Act of 1934, as amended, and

      2.  the information contained in the report fairly presents, in all
          material respects, the Company's financial condition and results of
          operations, as of the dates and for the periods presented in the
          financial statements included in the Report.


/s/Richard P. Jacobson              /s/Kelli J. Holz
----------------------------        --------------------------------
Richard P. Jacobson                 Kelli J. Holz
Chief Executive Officer             Interim Chief Financial Officer


Dated:  November 9, 2009