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 June 30,  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 June 30,
            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 June 30, 2003 fairly presents, in all material
            respects,  the  financial  condition  and results of  operations  of
            Surety Holdings Corp. and Subsidiaries.



August 14, 2003

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


In connection with the  accompanying  Quarterly  Report on Form 10-QSB of Surety
Holdings  Corp.  and  Subsidiaries  for the  quarter  ended June 30,  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 June 30,
            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 June 30, 2003 fairly presents, in all material
            respects,  the  financial  condition  and results of  operations  of
            Surety Holdings Corp. and Subsidiaries.


August 14, 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.