|Exhibit 32.1                                                                                                                                                                                                                                                                                                                                                                                                                    
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|CERTIFICATION                                                                                                                                                                                                                                                                                                                                                                                                                   
|In connection with the periodic report of Delta Financial Corporation (the Company) on Form 10-Q for the period ended March 31, 2004 as filed with the
Securities and Exchange Commission (the Report), I, Hugh Miller, Chief Executive Officer of the Company, hereby certify as of the date hereof, solely for purposes of Title 18, Chapter 63, Section 1350 of the United States Code, that to
the best of my knowledge:
|1.                                                                                                                                                                                                                                                                                                                                                                                                                              
|2.                                                                                                                                                                                                                                                                                                                                                                                                                              
|This Certification has not been, and shall not be deemed, filed with the Securities and Exchange Commission.                                                                                                                                                                                                                                                                                                                  
|Date: May 17, 2004.                                                                                                                                                                                                                                                                                                                                                                                                             

| | /s/ HUGH MILLER                      
| | -------------------------------------
| |                                      
| | Hugh Miller                          
| | President and Chief Executive Officer



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