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 December 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/ John R. Male
                             ------------------------------------------------
                             Name:  John R. Male
                             Title: Chairman of the Board and
                                    Chief Executive Officer



                         By: /s/ C. Keith Swaney
                             ------------------------------------------------
                             Name:  C. Keith Swaney
                             Title: President, Chief Operating Officer
                                    and Treasurer

Date: February 11, 2004