EXHIBIT 32.1
                                                           ------------

       CERTIFICATION OF PRESIDENT & CHIEF EXECUTIVE OFFICER PURSUANT TO
                           18 U.S.C. SECTION 1350,
                           AS ADOPTED PURSUANT TO
                SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



     In connection with the accompanying Annual Report of EMC Insurance Group
Inc. on Form 10-K for the period ending December 31, 2004, the undersigned
herby certifies, in accordance with 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, in his capacity as
an officer of EMC Insurance Group Inc. that:

     (1)  The report fully complies with the requirements of Section
          13(a) or 15(d) of Securities Exchange Act of 1934, and

     (2)  The information contained in this report fairly presents, in
          all material respects, the company's financial condition and
          results of operations.


                              EMC INSURANCE GROUP INC.
                              Registrant



                              /s/  Bruce G. Kelley
                              --------------------------
                              Bruce G. Kelley
                              President & Chief Executive Officer



Date: March 30, 2005