EXHIBIT 32.2

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

In connection with the Quarterly Report of First Acceptance Corporation (the
"Company") on Form 10-Q for the period ended December 31, 2004, as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Charles D. Hamilton, Jr., Senior Vice President and Chief Financial Officer of
the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d),
as applicable, of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Company at
the dates and for the periods indicated.

/s/  Charles D. Hamilton, Jr.
- -------------------------------------------------
Charles D. Hamilton, Jr.
Senior Vice President and Chief Financial Officer

February 14, 2005

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