Exhibit 32.1

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER

      The  undersigned  chief  executive  officer of the Registrant  does hereby
certify  that  this  Quarterly  Report  on Form  10-Q  fully  complies  with the
requirements  of  Section  13(a)  or  15(d) of the  Securities  Act of 1934,  as
amended, and that the information  contained in this report fairly presents,  in
all material respects,  the financial condition and results of operations of the
Registrant at the dates and for the periods shown in such report.

      Dated August 13, 2003                       By /s/William V. Carney
                                                     --------------------
                                                     William V. Carney
                                                     Chairman of the Board
                                                     and Chief Executive Officer