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  December 31, 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
February 17, 2004


     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.