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 Annual Report of Bancinsurance Corporation (the
"Company") on Form 10-K for the period ending December 31, 2003 as filed with
the Securities and Exchange Commission on the date hereof (the "Report'), the
undersigned, Si Sokol, Chairman and Chief Executive Officer of the Company, and
Sally J. Cress, Treasurer and Secretary of the Company, each 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 the Company.

/s/ Si Sokol
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Si Sokol
Chairman and Chief Executive Officer
(Principal Executive Officer)
March 22, 2004

/s/ Sally J. Cress
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Sally J. Cress
Treasurer and Secretary
(Principal Financial Officer)
March 22, 2004