Exhibit 99


                CERTIFICATION PURSUANT TO 18. U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002



The undersigned  executive  officers of the Registrant  hereby certify that this
Quarterly  Report  on Form  10-Q for the  quarter  ended  March  31,  2003  (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/  Vida H. Lampkin
                              --------------------------------------------------
                              Name: Vida H. Lampkin
                              Title: Chairman of the Board and Interim President
                                       and Chief Executive Officer



                          By: /s/  Scott A. Swain
                              --------------------------------------------------
                              Name: Scott A. Swain
                              Title:  Senior Vice President and
                                       Chief Financial Officer

Date: May 8, 2003