Exhibit  32.2



                            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 Quarterly  Report of Merit  Securities  Corporation  (the
"Company")  on Form 10-Q for the quarter ended March 31, 2004, as filed with the
Securities and Exchange  Commission on the date hereof (the "Report"),  I, Kevin
J. Sciuk, the Principal 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:  May 21, 2004                      By:      /s/ Kevin J. Sciuk
                                                 -------------------------------
                                                 Kevin J. Sciuk
                                                 Principal Financial Officer


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