CERTIFICATION OF PERIODIC REPORT



     I, Gerald J. Ford,  Chief  Executive  Officer of Golden State Holdings Inc.
(the "Company"),  certify,  pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, 18 U. S. C. Section 1350, that:

(1) The Quarterly  Report on  Form 10-Q  of the Company for the quarterly period
    ended June  30, 2002  (the "Report") fully complies with the requirements of
    Section 13 (a)  of the Securities Exchange Act of 1934 (15 U. S. C. 78m; and

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


Dated:  August 9, 2002


                                                  /s/ Gerald J. Ford
                                             ___________________________________
                                             Gerald J. Ford
                                             Chief Executive Officer