EX-99.906CERT


                                 EXHIBIT 10 (b)
                           RULE 30a-2(b) CERTIFICATION






In connection with this report on Form N-CSR for the registrant as furnished to
the Securities and Exchange Commission on the date hereof (the "Report"), the
undersigned hereby certify, pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that:

     (1)  the Report fully complies with the  requirements  of Section 13 (a) or
          15 (d) of the Securities Exchange Act of 1934, as applicable; and

     (2)  the  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition and results of operations
          of the registrant.

                           By:      /s/ BRIAN T. ZINO
                                    -----------------------
                                    Brian T. Zino
                                    Chief Executive Officer

                           Date:    March 5, 2004



                           By:      /s/ LAWRENCE P. VOGEL
                                    -----------------------
                                    Lawrence P. Vogel
                                    Chief Financial Officer

                           Date:    March 5, 2004