Exhibit 99.2



                      Statement of Chief Financial Officer
         Pursuant to Section 1350 of Title 18 of the United States Code



     Pursuant to Section 1350 of Title 18 of the United States Code, I, Ralph G.
Spontak, the Senior Vice President, Chief Financial Officer and Secretary of
Donegal Group Inc. (the "Company"), hereby certify that, to the best of my
knowledge:

     1. The Company's Form 10-K Annual Report for the year ended December 31,
2002 (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 operations of the Company.



Date:  March 28, 2003                         s/Ralph G. Spontak
                                              ----------------------------------
                                              Ralph G. Spontak, Senior Vice
                                              President, Chief Financial Officer
                                              and Secretary