CERTIFICATION UNDER SECTION 906 OF
                         THE SARBANES-OXLEY ACT OF 2002

     In  connection  with the  Quarterly  Report of Colonial  Trust Company (the
"Company") on Form 10-QSB for the period ended  September 30, 2003 as filed with
the Securities  and Exchange  Commission on the date hereof (the  "Report"),  I,
John K. Johnson, Chief Executive Officer of the Company, certify, pursuant to 18
U.S.C.  Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley
Act of 2002, that to my 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 operations of the Company.


/s/  John K. Johnson

John K. Johnson
Chief Executive Officer
November 14, 2003

     This certification is made solely for the purpose of 18 U.S.C. Section 1350
subject  to the  knowledge  standard  contained  therein,  and not for any other
purpose.