Exhibit 99.3

                               THE ANDERSONS, Inc.

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

I Gary L. Smith, hereby certify that the Quarterly Report on Form 10-Q of
The Andersons, Inc. (the "Issuer"), which this certificate accompanies, fully
complies with the requirements of section 13(a) or 15(d) of the Securities
Exchange Act of 1934 and that the information contained therein fairly presents,
in all material respects, the financial condition and results of operations of
the Issuer.

Signed:

/s/ Gary L. Smith
---------------------------------
Gary L. Smith
Vice President, Finance and Treasurer
(Principal Financial Officer)

Date:  November 13, 2002