EXHIBIT 99.1

                                  CERTIFICATION

      The undersigned certifies pursuant to 18 U.S.C. Section 1350, that:

(1)   The accompanying report on Form 10-Q fully complies with the requirements
      of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

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


Date: August 8, 2002


By /s/ J. WILLIAM JOHNSON
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J. WILLIAM JOHNSON, CHAIRMAN AND CHIEF EXECUTIVE OFFICER
(principal executive officer)


By /s/ MARK D. CURTIS
- ---------------------------------------
MARK D. CURTIS
SENIOR VICE PRESIDENT AND TREASURER
(principal financial and accounting officer)


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