Exhibit 32.1
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      Certification by Chief Executive Officer and Chief Financial Officer
           Pursuant to Section 906 of the Sarbanes - Oxley Act of 2002

Each of the undersigned hereby certifies that this Quarterly Report on Form 10-Q
complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934, as amended, and the information contained in such report
fairly represents, in all material respects, the financial condition and results
of operations of the Company.

This 14th day of November, 2003.

/s/ R. Daniel Blanton
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R. Daniel Blanton
President &
Chief Executive Officer
(Principal executive officer)


/s/ Ronald L. Thigpen
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Ronald L. Thigpen
Executive Vice President &
Chief Operating Officer
(Principal financial officer)