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 June
      30, 2004 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: July 30, 2004


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


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


                                       27