Exhibit 32.2


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

         I, R. Preston Pitts, Chief Financial Officer of Regan Holding Corp.(the
"Company"),  hereby  certify,  to the best of my  knowledge,  that the Company's
quarterly report on Form 10-Q for the period ended March 31, 2005 (the "Report")
fully complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange  Act of 1934  (15  U.S.C.  78m or  78o(d))  and  that  the  information
contained in the Report fairly presents, in all material respects, the financial
condition and results of operations of the Company.

Date:    May 16, 2005


                                               /s/  R. Preston Pitts
                                            ------------------------------------
                                             Name:  R. Preston Pitts
                                             Title: Chief Financial Officer

A signed  original of this  written  statement  required by Section 906 has been
provided to Regan Holding Corp.  and will be retained by Regan Holding Corp. and
furnished to the Securities and Exchange Commission or its staff upon request.