EXHIBIT 32 - SECTION 1350 CERTIFICATIONS


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                                  CERTIFICATION

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

(1)   The accompanying report on Form 10-K 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: March 1, 2004


/s/ Michael N. Vittorio
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MICHAEL N. VITTORIO
PRESIDENT AND CHIEF EXECUTIVE OFFICER
(principal executive officer)


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


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