EXHIBIT 32.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
               PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT

         In connection with the Quarterly Report of Form 10-Q of 21st Century
Holding Company for the quarter ended September 30, 2003 as filed with the
Securities and Exchange Commission (the "Report"), I, James G. Jennings, III,
Chief Financial Officer of 21st Century Holding Company hereby certify pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

(1)      The Report 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 Report fairly presents, in all
         material respects, the financial condition and results of operations of
         21st Century Holding Company.


By:  /s/ James G. Jennings, III
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James G. Jennings, III, Chief Financial Officer