Exhibit 32.2

      Pursuant to 18 USC Section 1350, the undersigned officer of The St. Joe
Company (the "Company") hereby certifies that the Company's Quarterly Report on
Form 10-Q for the quarter ended March 31, 2004 (the "Report") fully complies
with the requirements of Section 13(a) or 15(d), as applicable, of the
Securities Exchange Act of 1934 and that the information contained in the Report
fairly presents, in all material respects, the financial condition and results
of operations of the Company.




                              /s/ Kevin M. Twomey
                              -----------------------
                              Kevin M. Twomey
                              Chief Financial Officer


Dated: May 7, 2004


      The foregoing certificate is being furnished solely pursuant to 18 USC
Section 1350 and is not being filed as part of the Report or as a separate
disclosure document.