EXHIBIT 32.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Legends Financial Holdings, Inc. (the
"Company") on Form 10-QSB for the period ending March 31, 2004, as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Billy P. Atkins, President and Chief Executive Officer of the Company, 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 and 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 the Company.

                                            /s/ Billy P. Atkins
                                            ---------------------------------
                                            Billy Atkins
                                            Chief Executive Officer
                                            May 14, 2004