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, Ian
B. Currie,  Controller/Treasurer 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/ Ian B. Currie
- -----------------
Ian B. Currie
Controller/Treasurer
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.