EXHIBIT 32

                                  CERTIFICATION

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

(1)   The accompanying quarterly report on Form 10-Q for the period ended
      September 30, 2003, 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: November 4, 2003


By /s/ MICHAEL N. VITTORIO
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MICHAEL N. VITTORIO
CHIEF EXECUTIVE OFFICER
(principal executive officer)


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


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