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 September 30,
     2005 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                                        November 7, 2005
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William H. Hayes                                            Date
Chief Financial Officer