EXHIBIT 32.1

                   CERTIFICATION OF CHIEF EXECUTIVE OFFICER OF
                        FINANCIAL INDUSTRIES CORPORATION
                       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 Financial  Industries  Corporation
("FIC") on Form 10-Q for the quarter ended September 30, 2003, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"),  I, Eugene
E. Payne, Chief Executive Officer,  certify pursuant to 18 U.S.C.  Section 1350,
as adopted  pursuant to Section 906 of the  Sarbanes-Oxley  Act of 2002, that to
the best of my knowledge and belief:

     (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 result of operations of
          FIC.




  /s/ Eugene E. Payne
________________________
Eugene E. Payne
Chief Executive Officer
Date: November 25, 2003