EXHIBIT 99.3


                   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 June 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 August 12, 2003.


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


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