Exhibit 32.3

                   Certification Pursuant to 18 U.S.C.ss.1350

     In connection with the filing with the United States Securities and
Exchange Commission of Emergent Group Inc.'s (the "Company") Quarterly Report on
Form 10-QSB for the period ended September 30, 2003 (the "Report"), the
undersigned, the Chief Executive Officer and the Chief Financial Officer of the
Company, hereby certify that (i) in our capacities as officers of the Company,
(ii) to each of our own respective actual knowledge, and (iii) solely for the
purpose of compliance with 18 U.S.C.ss.1350, that:

     (1)  the Report fully complies with the requirements of ss.13(a) or 15(d)
          of the Securities Exchange Act of 1934, as amended; and

     (2)  the information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Company.

          The above certification is given as of the date of the Report and is
     limited to the periods covered by the Report. The above certification is
     made severally and not jointly.

          IN WITNESS WHEREOF, the undersigned have executed this Certificate on
     November 13, 2003.


                                                        By: /s/ William M. McKay
                                                            --------------------
                                                                William M. McKay
                                                         Chief Financial Officer