CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER PURSUANT TO 18 U.S.C. 1350


In connection with the  accompanying  Quarterly  Report on Form 10-QSB of Surety
Holdings  Corp.  and  Subsidiaries  for the quarter  ended March 31,  2003,  the
undersigned  hereby  certifies  pursuant to 18 U.S.C.  Section  1350, as adopted
pursuant to Section  906 of the  Sarbanes-Oxley  Act of 2002,  to the best of my
knowledge and belief, that:

     (1)  such  Quarterly  Report on Form 10-QSB for the quarter ended March 31,
          2003 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 such Quarterly Report on Form 10-QSB for
          the quarter  ended March 31, 2003  fairly  presents,  in all  material
          respects,  the financial condition and results of operations of Surety
          Holdings Corp. and Subsidiaries.

May 15, 2003

                                        By: /s/ Yoshihiro Kamon
                                        ------------------------
                                        Yoshihiro Kamon
                                        President and Director of Surety

A signed  original of this  written  statement  required by Section 906 has been
provided to Surety  Holdings Corp. and will be retained by Surety Holdings Corp.
and  furnished  to the  Securities  and  Exchange  Commission  or its staff upon
request.


In connection with the  accompanying  Quarterly  Report on Form 10-QSB of Surety
Holdings  Corp.  and  Subsidiaries  for the quarter  ended March 31,  2003,  the
undersigned  hereby  certifies  pursuant to 18 U.S.C.  Section  1350, as adopted
pursuant to Section  906 of the  Sarbanes-Oxley  Act of 2002,  to the best of my
knowledge and belief, that:

     (3)  such  Quarterly  Report on Form 10-QSB for the quarter ended March 31,
          2003 fully complies with the requirements of Section 13(a) or 15(d) of
          the Securities Exchange Act of 1934; and

     (4)  the information  contained in such Quarterly Report on Form 10-QSB for
          the quarter  ended March 31, 2003  fairly  presents,  in all  material
          respects,  the financial condition and results of operations of Surety
          Holdings Corp. and Subsidiaries.


May 15, 2003
                                        By: /s/ Howard R. Knapp
                                        -------------------------
                                        Howard R. Knapp
                                        Chief Financial Officer of Surety

A signed  original of this  written  statement  required by Section 906 has been
provided to Surety  Holdings Corp. and will be retained by Surety Holdings Corp.
and  furnished  to the  Securities  and  Exchange  Commission  or its staff upon
request.