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