Exhibit 32.1
                            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 Annual Report of American Physicians Service Group, Inc.
(the "Company") on Form 10-K for the year ended December 31, 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/ Kenneth S. Shifrin
- -------------------------
Kenneth S. Shifrin                                   Date:  March 29, 2005
Chairman of the Board and
Chief Executive Officer


A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to the Company and will be retained
by the Company and furnished to the Securities and Exchange Commission or its
staff upon request.