EXHIBIT 32

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

      The undersigned executive officers of the Registrant hereby certify that
this Annual Report on Form 10-K for the year ended June 30, 2004 (the "Report")
fully complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934, and the information contained in the Report fairly
presents, in all material respects, the financial condition and results of
operations of the Registrant.

                                  By:       /s/ John R. Male
                                      --------------------------------------
                                      Name: John R. Male
                                      Title: Chairman of the Board and Chief
                                             Executive Officer

                                  By:      /s/ C. Keith Swaney
                                      ---------------------------------------
                                      Name: C. Keith Swaney
                                      Title: President, Chief Operating Officer
                                             and Treasurer

Date: September 10, 2004