EX.99-(b)(3)

         CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT

      Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the
undersigned officers of the Potomac Insurance Trust, does hereby certify, to
such officer's knowledge, that the report on Form N-CSR of the Potomac Insurance
Trust for the year ended December 31, 2004 fully complies with the requirements
of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as applicable,
and that the information contained in the Form N-CSR fairly presents, in all
material respects, the financial condition and results of operations of the
Potomac Insurance Trust for the stated period.

/s/ Daniel D. O'Neill                    /s/ Timothy P. Hagan
- -------------------------------------    ---------------------------------------
Daniel D. O'Neill                        Timothy P. Hagan
President, The Potomac Insurance Trust   Chief Financial Officer, The Potomac
                                         Insurance Trust

Dated: March 7, 2005

This statement accompanies this report on Form N-CSR pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002 and shall not be deemed as filed by The Potomac
Insurance Trust for purposes of the Securities Exchange Act of 1934.