EXHIBIT 99.2

                            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 Delta Mutual Inc. (the
"Company") on Form 10-Q for the quarter ended September 30, 2002 filed with the
Securities and Exchange Commission (the "Report"), I, Kenneth Martin, Chief
Executive Officer 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:

(1)  The Report fully complies with the requirements of Section 12(a) of the
     Securities Exchange Act of 1934; and

(2)  The information contained in the Report fairly presents, in all material
     respects, the consolidated financial condition of the Company as of the
     dates presented and consolidated result of operations of the Company for
     the period presented.


Dated:  November 10, 2002

                                               /s/ Kenneth Martin
                                               ------------------
                                               Kenneth Martin
                                               Chief Executive Officer and
                                               Chief Financial Officer

This certification has been furnished solely pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002.