EXHIBIT 99.2

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


I, Lois A. Toth, Treasurer of Capital Directions, Inc., 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:

     (1)       The Annual Report on Form 10-K for the year ended December 31,
               2002 which this accompanies 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 Annual Report on Form 10-K for
               the year ended December 31, 2002 fairly presents, in all material
               respects, the financial condition and results of the operations
               of Capital Directions, Inc.



Date:  March 31, 2003                                   /s/  Lois A. Toth
       --------------                                   -----------------------
                                                        Lois A. Toth
                                                        Treasurer

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