Exhibit 32.1


                            CERTIFICATION PURSUANT TO
            SECTION 1350, CHAPTER 63 OF TITLE 18, UNITED STATES CODE,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



Pursuant  to  Section  1350,  Chapter  63  of  Title 18,  United States Code, as
adopted  pursuant  to  Section  906  of the  Sarbanes-Oxley  Act  of  2002,  the
undersigned,  as President and Chief  Executive  Officer of Allmerica  Financial
Corporation  (the "Company"),  does  hereby certify  that  to the  undersigned's
knowledge:

     1)   the  Company's  Quarterly  Report  on Form 10-Q for the  period  ended
          September 30, 2003 (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 Company's Report fairly presents, in
          all  material  respects,   the  financial  condition  and  results  of
          operations of the Company.



                         /s/ Frederick H. Eppinger, Jr.
                         ------------------------------
                           Frederick H. Eppinger, Jr.
                      President and Chief Executive Officer


Dated: November 13, 2003

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