Exhibit 32


                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  September  30, 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/Charles T. Black
                                             ---------------------------------
                                             Charles T. Black
                                             President and Chief
                                             Executive Officer
                                             (Duly Authorized Representative)




                                         By: /s/Scott A. Swain
                                             ---------------------------------
                                             Scott A. Swain
                                             Senior Vice President and
                                             Chief Financial Officer
                                             (Principal Financial Officer)

Date: November 5, 2003