Exhibit 32.1



                                  CERTIFICATION

Pursuant to 18 U.S.C.  Section 1350, the undersigned  officer of Golden American
Life Insurance  Company (the "Company")  hereby certifies that, to the officer's
knowledge,  the Company's  Quarterly Report on Form 10-Q/A for the quarter ended
June 30, 2003 (the  "Report")  fully complies with the  requirements  of Section
13(a) or 15(d), as applicable,  of the Securities  Exchange Act of 1934 and that
the  information  contained  in the  Report  fairly  presents,  in all  material
respects, the financial condition and results of operations of the Company.




November 10, 2003          By  /s/ David A. Wheat
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      (Date)                   David A. Wheat
                               Senior Vice President and Chief Financial Officer