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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                  ------------

                                    FORM 8-K

                                  ------------



                                 CURRENT REPORT



     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


                       Date of Report: September 19, 2002


                          MERIT SECURITIES CORPORATION
               (Exact Name of Registrant as Specified in Charter)



                                    33-83524
                            (Commission File Number)



                                                                                    
                         Virginia                                                   54-1736551
              (State or other jurisdiction of                                    (I.R.S. Employer
              incorporation or organization)                                   Identification No.)


                 4551 Cox Road, Suite 300,
                   Glen Allen, Virginia                                               23060
                        (Address of
               principal executive offices)                                         (Zip Code)

                                 (804) 217-5800
              (Registrant's telephone number, including area code)






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Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits.

         (c)      Exhibits

                  99.1     Certification of Chief Financial Officer Pursuant to
                           Section 906 of the Sarbanes-Oxley Act of 2002.


Item 9.  Regulation FD Disclosure

On September 18, 2002, Merit Securities Corporation furnished the Securities and
Exchange  Commission a certification of its Chief Financial  Officer pursuant to
Section 906 of the  Sarbanes-Oxley  Act of 2002. A copy of the  certification is
attached hereto as Exhibit 99.1 and is incorporated herein by reference.

In accordance with General Instruction B.2 of Form 8-K, the information included
or  incorporated  in this report,  including  Exhibit 99.1,  shall not be deemed
"filed" for purposes of Section 18 of the  Securities  and Exchange Act of 1934,
nor shall such  information  and exhibit be deemed  incorporated by reference in
any filing  under the  Securities  Act of 1933,  except as shall be set forth by
specific reference in such filing.


                                    SIGNATURE

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                         MERIT SECURITIES CORPORATION




Date:    September 19, 2002              By:    /s/ Stephen J. Benedetti
                                              ----------------------------------
                                              Stephen J. Benedetti
                                              Chief Executive Officer




                                  EXHIBIT INDEX


                                                                                      
Number            Description                                                           Method of Filing

99.1              Certification of Chief Financial Officer                              Furnished herewith
                  Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.


                                                                    Exhibit 99.1



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


     In connection  with the Annual Report of Merit  Securities  Corporation
(the  "Company")  on Form 10-K/A for the year ended  December 31, 2001, as filed
with  the  Securities  and  Exchange  Commission  on  September  18,  2002  (the
"Report"), I, Stephen J. Benedetti,  the Chief Financial Officer of the Company,
certify,  pursuant to and for  purposes of 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.




Dated:  September 19, 2002             By:    /s/ Stephen J. Benedetti
                                            ------------------------------------
                                            Stephen J. Benedetti
                                            Chief Executive Officer