EXHIBIT 99.3

                  Certification of Principal Financial Officer
                           Pursuant to 18 U.S.C. 1350
                 (Section 906 of the Sarbanes-Oxley Act of 2002)


         I, Lorie M. Guerrera, Chief Accounting Officer of Cordia Corporation
(the "Registrant") do hereby certify, pursuant to 18 U.S.C. Section 1350 as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the
best of my knowledge, based upon a review of the Quarterly Report on Form 10-QSB
for the period ended September 30, 2002 of the Registrant, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"):

         (1) The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934, as amended; 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/ Lorie M. Guerrera
                                                ------------------------
                                                Lorie M. Guerrera
                                                Chief Accounting Officer

November 14, 2002