EXHIBIT 99.1

                 CERTIFICATION PURSUANT TO 18 USC, SECTION 1350,
 AS ADOPTED PURSUANT TO SECTIONS 302 AND 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Quarterly Report of Palomar Enterprises, Inc. (Palomar or
Company) on Form 10-QSB for the quarter ended  September 30, 2002  (Report),  as
filed with the Securities and Exchange  Commission,  on tdate hereof, I, Jeffery
Halbirt,  Chief Executive  Officer and Chief  Financial  Officer of the Company,
certify  to the  best of my  knowledge,  pursuant  to 18 USC  1350,  as  adopted
pursuant  to ss.302 and  promulgated  as 18 USC 1350  pursuant  to ss.906 of the
Sarbanes-Oxley Act of 2002, that:

1.   The Report referenced above has been read and reviewed by the undersigned.

2.   The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934.

3.   The Report  referenced  above does not  contain any untrue  statement  of a
     material fact or omit to state a material fact  necessary in order to makes
     the  statements  made,  in  light of the  circumstances  under  which  such
     statements were made, not misleading.

     I acknowledge that the management of the Company is solely  responsible for
     the  fair  presentation  in  the  financial  statements  of  the  financial
     position, results of operations and cash flows of the Company in conformity
     with  accounting  principles  generally  accepted  in the United  States of
     America.

     Based upon my knowledge, the financial statements, and other such financial
     information included in the report,  fairly present the financial condition
     and results of  operations of Palomar  Enterprises,  Inc. as of and for the
     period ended September 30, 2002.

     In my opinion, the accompanying interim financial  statements,  prepared in
     accordance with the instructions for Form 10-QSB, are unaudited and contain
     all material  adjustments,  consisting only of normal recurring adjustments
     necessary to present fairly the financial condition,  results of operations
     and cash flows of the Company for the respective interim periods presented.
     The current period results of operations are not necessarily  indicative of
     results which  ultimately  will be reported for the full fiscal year ending
     December 31, 2002.

4.   I acknowledge  that the Company's  Board of Directors  and  Management  are
     responsible  for  establishing  and  maintaining  disclosure  controls  and
     procedures  for Palomar  Enterprises,  Inc.  These controls and systems are
     designed to ensure that material  information is made known to the Board of
     Directors and Management  othe Company,  particularly  during the period in
     which  this  periodic  report is being  prepared.  The  Company's  Board of
     Directors and Management have evaluated the  effectiveness of the Company's
     disclosure  controls  and  procedures  within  90 days of the  date of this
     periodic filing.

5.   I acknowledge  that the Company's  Board of Directors  and  Management  are
     solely  responsible for adopting sound accounting  practices,  establishing
     and maintaining a system of internal  accounting control and preventing and
     detecting  fraud. The Company's  system of internal  accounting  control is
     designed to assure,  among other items,  that 1) recorded  transactions are
     valid; 2) valid transactions are recorded; and 3) transactions are recorded
     in the proper  period in a timely  manner to produce  financial  statements
     which present  fairly the financial  condition,  results of operations  and
     cash flows of the Company for the respective periods being presented.
<PAGE>
                                                                    EXHIBIT 99.1

                 CERTIFICATION PURSUANT TO 18 USC, SECTION 1350,
 AS ADOPTED PURSUANT TO SECTIONS 302 AND 906 OF THE SARBANES-OXLEY ACT OF 2002

                                   - PAGE 2 -

     All  significant   weaknesses  in  the  design  or  operation  of  internal
     accounting  controls  which could  adversely  affect  Palomar's  ability to
     record,  process,  summarize and report financial data have been identified
     by the Company's Board of Directors and/or Management have been reported to
     the  Company's  independent  auditors.  Additionally,  any  fraud,  whether
     material or not to the financial  statements of Palomar  Enterprises,  Inc.
     that involves  management or other employees who have a significant role in
     the issuer's  internal  accounting  controls have also been reported to the
     Company's  Board  of  Directors  and/or  Management  and to  the  Company's
     independent auditors.

6.   I have made the appropriate  disclosures related to any significant changes
     to the Company's system of internal accounting controls or in other factors
     that could  significantly  affect our internal accounting control system or
     the financial reporting derived therefrom.


/s/ Jeffery Halbirt                               Dated: November 8, 2002
---------------------------                              ----------------
Jeffery Halbirt
Chief Executive Officer and
Chief Financial Officer