EXHIBIT 32 (a)      CERTIFICATION OF CHIEF EXECUTIVE OFFICER

The undersigned certifies pursuant to 18 U.S.C.Section 1350, that:

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

Date:  November 13, 2003               /s/ Eric H. Paulson
                                       -------------------------
                                       Eric H. Paulson
                                       Chairman of the Board,
                                       President and
                                       Chief Executive Officer


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