EXHIBIT 99.2


       CERTIFICATE OF THE CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002

Kevin G. Martin,  the Chief Financial  Officer of HomeGold  Financial, Inc. (the
"Company"),  hereby certifies that to the best of his knowledge:

     1.   The Quarterly  Report on Form 10-QSB for the fiscal quarter ended June
          30,  2002 of the  Company  (the  "Report")  fully  complies  with  the
          requirements  of  section  13(a)  or  15(d),  as  applicable,  of  the
          Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)); and

     2.   The  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition and results of operations
          of the Company at the dates and for the periods indicated.

The foregoing certification is made solely for the purpose of complying with the
requirements of Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. Section
1350)  and  may not be  relied  upon  by  anyone  for  any  other  purpose.  The
undersigned  expressly  disclaims any undertaking to update such  certifications
except as required by law.


Date:  August 19, 2002.

                                 /s/ Kevin G. Martin
                                 ---------------------------
                                 Kevin G. Martin
                                 Chief Financial Officer