Exhibit 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      I, R. Preston Pitts,  Chief Financial  Officer of Regan Holding  Corp.(the
"Company"),  hereby  certify,  to the best of my  knowledge,  that the Company's
quarterly  report on Form 10-Q for the period ended June 30, 2005 (the "Report")
fully complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange  Act of 1934  (15  U.S.C.  78m or  78o(d))  and  that  the  information
contained in the Report fairly presents, in all material respects, the financial
condition and results of operations of the Company.

Date: August 15, 2005

                                           /s/ R. Preston Pitts
                                           ---------------------------
                                        Name:  R. Preston Pitts
                                       Title:  Chief Financial Officer

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