CERTIFICATION PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002



     The undersigned  executive  officers of the Registrant  hereby certify that
this  Annual  Report  on Form 10-K for the year  ended  December  31,  2002 (the
"Report") fully complies with the  requirements of Section 13(a) or 15(d) of the
Securities  Exchange Act of 1934,  and the  information  contained in the Report
fairly presents,  in all material respects,  the financial condition and results
of operations of the Registrant.



                             By:  /s/ Harry J. Bailey
                                  ----------------------------------------------
                                  Name:    Harry J. Bailey
                                  Title:   President and Chief Executive Officer



                             By:  /s/ Bradley L. Smith
                                  ----------------------------------------------
                                  Name:    Bradley L. Smith
                                  Title:   Senior Vice President and Principal
                                              Financial and Accounting Officer

Date: March 25, 2003