Exhibit 32.1



                            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 for the year ended  December 31, 2003, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Stephen
J. Benedetti, the Principal Executive 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:  April 14, 2003                       By:      /s/ Stephen J. Benedetti
                                                    ----------------------------
                                                    Stephen J. Benedetti
                                                    Principal Executive Officer