Exhibit 32.2



                            CERTIFICATION 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 Quarterly  Report of American  Physicians  Service Group,
Inc.  (the  "Company")  on Form 10-Q for the year ending June 30, 2004 as filed
with the Securities and Exchange  commission on the date hereof (the  "Report"),
the  undersigned,  in the  capacity  and on the  date  indicated  below,  hereby
certifies pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906
of the Sarbanes-Oxley Act of 2002, that to the best of his knowledge:

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 operation of
         the Company.


/s/ William H. Hayes                                        August 6, 2004
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William H. Hayes                                            Date
Chief Financial Officer