EXHIBIT 32.1

CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

The undersigned hereby certify pursuant to 18 U.S.C. ss. 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, to the best of our
respective knowledge and belief, that this Annual Report on Form 10-K for the
period ended December 31, 2003 ("Report") fully complies with the requirements
of Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 and
that information contained in this Report presents, in all material respects,
the financial condition and results of operations of the registrant.





Dated: March 25, 2004

                                         /s/ Robert E. Churchill
                                         --------------------------------
                                         Robert E. Churchill
                                         Chairman and Chief Executive Officer


                                         /s/ Irene M. English
                                         -----------------------------------
                                         Irene M. English
                                         Treasurer
                                         (Chief Financial Officer)