Exhibit 32.4

                           SECTION 1350 CERTIFICATION
                        OF PRINCIPAL FINANCIAL OFFICER OF
                             UNION ELECTRIC COMPANY
                         (required by Section 906 of the
                           Sarbanes-Oxley Act of 2002)


In connection with the report on Form 10-Q for the quarterly  period ended March
31, 2004 of Union Electric  Company (the "Company") as filed with the Securities
and  Exchange  Commission  on the date  hereof (the "Form  10-Q"),  I, Warner L.
Baxter, chief financial officer of the Company,  certify,  pursuant to 18 U.S.C.
ss.1350, as adopted pursuant to ss.906 of the Sarbanes-Oxley Act of 2002, that:

(1)  The Form 10-Q fully  complies  with the  requirements  of Section  13(a) or
     15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)); and

(2)  The information contained in the Form 10-Q fairly presents, in all material
     respects, the financial condition and results of operations of the Company.


Dated: May 10, 2004



                                     /s/ Warner L. Baxter
                                     ----------------------------------
                                     Warner L. Baxter
                                     Executive Vice President and
                                     Chief Financial Officer
                                     (Principal Financial Officer)