EXHIBIT 32 (a)      CERTIFICATION OF CHIEF EXECUTIVE OFFICER



The undersigned certifies pursuant to 18 U.S.C. Section 1350, that:

(1) The accompanying Quarterly Report on Form 10-Q for the period ended December
31 2003, 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 accompanying Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.



Date:  February 13, 2004                          /s/ Eric H. Paulson
                                                  ------------------------------
                                                  Eric H. Paulson
                                                  Chairman of the Board,
                                                  President and
                                                  Chief Executive Officer



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