EXHIBIT 32.1

                            CERTIFICATION 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 Civitas BankGroup, Inc. (the
"Company") on Form 10-Q for the quarter ended March 31, 2005, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), each of
the undersigned certifies, pursuant to 18 U.S.C. ss.1350, as adopted pursuant
to ss.906 of the Sarbanes-Oxley Act of 2002, that:


          (1) The Report 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 Report fairly presents, in all
     material respects, the financial condition and results of operations of the
     Company.


                                    By: /s/Richard Herrington
                                        ---------------------------------------
                                        Richard Herrington
                                        President and Chief Executive Officer
                                        May 10, 2005


                                    By: /s/ Lisa Musgrove
                                        ---------------------------------------
                                        Lisa Musgrove
                                        Chief Financial Officer
                                        May 10, 2005