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 American  Physicians  Service Group,
Inc. (the "Company") on Form 10-QSB for the period ending  September 30, 2003 as
filed with the  Securities  and  Exchange  commission  on the date  hereof  (the
"Report"),  the  undersigned,  in the capacity and on the date indicated  below,
hereby  certifies  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 his
knowledge:

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 operation of
       the Company.


/s/ Kenneth S. Shifrin                                        November 11, 2003
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Kenneth S. Shifrin                                            Date
Chief Executive Officer