EX-31

                                 CERTIFICATIONS

         I, Howard R. Knapp, certify that:

         1.   I have  reviewed  this  quarterly  report on Form 10-QSB of Surety
              Holdings Corp. and Subsidiaries;

         2.   Based on my knowledge,  this quarterly report does not contain any
              untrue  statement  of a material  fact or omit to state a material
              fact  necessary  to make  the  statements  made,  in  light of the
              circumstances   under  which  such   statements   were  made,  not
              misleading  with respect to the periods  covered by this quarterly
              report;

         3.   Based  on  my  knowledge,  the  condensed  consolidated  financial
              statements,  and  other  financial  information  included  in this
              quarterly  report,  fairly  present in all  material  respects the
              consolidated  financial condition,  results of operations and cash
              flows of the  registrant as of, and for, the periods  presented in
              this quarterly report;

         4.   The registrant's  other certifying  officers and I are responsible
              for   establishing   and  maintaining   disclosure   controls  and
              procedures  (as  defined  in  Exchange  Act Rules  13a-15  (e) and
              15d-15(e))  and internal  control  over  financial  reporting  (as
              defined in Exchange Act Rules  13a-15(f)  and  15d-15(f))  for the
              registrant and have:

              (a) Designed such disclosure  controls and  procedures,  or caused
                  such  disclosure  controls and procedures to be designed under
                  our supervision,  to ensure that material information relating
                  to the  small  business  issuer,  including  its  consolidated
                  subsidiaries,   made  known  to  us  by  others  within  those
                  entities,   particularly  during  the  period  in  which  this
                  quarterly report is being prepared;

              (b) Designed such internal  control over financial  reporting,  or
                  caused such internal  control over  financial  reporting to be
                  designed  under  our   supervision,   to  provide   reasonable
                  assurance regarding the reliability of financial reporting and
                  the preparation of financial  statements for external purposes
                  in accordance with generally accepted accounting principles;

              (c) Evaluated the  effectiveness  of the  registrant's  disclosure
                  controls  and  procedures  and  presented  in this  report our
                  conclusions about the effectiveness of the disclosure controls
                  and  procedures,  as of the end of the period  covered by this
                  quarterly report based on such evaluation; and

              (d) Disclosed  in  this  report  any  change  in the  registrant's
                  internal control over financial reporting that occurred during
                  the   registrant's   most  recent  fiscal   quarter  that  has
                  materially  affected,  or is  reasonably  likely to materially
                  affect,  the  registrant's  internal  control  over  financial
                  reporting; and

         5.   The registrant's  other certifying  officers and I have disclosed,
              based on our most  recent  evaluation  of  internal  control  over
              financial  reporting,  to the registrant's  auditors and the audit
              committee of the registrant's board of directors:

              (a) All significant  deficiencies  and material  weaknesses in the
                  design  or  operation  of  internal   control  over  financial
                  reporting which are reasonably  likely to adversely affect the
                  registrant's ability to record, process,  summarize and report
                  financial information; and

              (b) Any fraud,  whether or not material,  that involves management
                  or other  employees who have a  significant  role in the small
                  business issuer's internal control over financial reporting.

         Dated: May 14, 2004

                                           By:   /s/ Howard R. Knapp
                                           -------------------------
                                           Howard R. Knapp
                                           President and Chief Executive Officer


<PAGE>

                                 CERTIFICATIONS

         I, Linda O'Donnell, certify that:

         1.   I have  reviewed  this  quarterly  report on Form 10-QSB of Surety
              Holdings Corp. and Subsidiaries;

         2.   Based on my knowledge,  this quarterly report does not contain any
              untrue  statement  of a material  fact or omit to state a material
              fact  necessary  to make  the  statements  made,  in  light of the
              circumstances   under  which  such   statements   were  made,  not
              misleading  with respect to the periods  covered by this quarterly
              report;

         3.   Based  on  my  knowledge,  the  condensed  consolidated  financial
              statements,  and  other  financial  information  included  in this
              quarterly  report,  fairly  present in all  material  respects the
              consolidated  financial condition,  results of operations and cash
              flows of the  registrant as of, and for, the periods  presented in
              this quarterly report;

         4.   The registrant's  other certifying  officers and I are responsible
              for   establishing   and  maintaining   disclosure   controls  and
              procedures  (as  defined  in  Exchange  Act Rules  13a-15  (e) and
              15d-15(e))  and internal  control  over  financial  reporting  (as
              defined in Exchange Act Rules  13a-15(f)  and  15d-15(f))  for the
              registrant and have:

              (e) Designed such disclosure  controls and  procedures,  or caused
                  such  disclosure  controls and procedures to be designed under
                  our supervision,  to ensure that material information relating
                  to the  small  business  issuer,  including  its  consolidated
                  subsidiaries,   made  known  to  us  by  others  within  those
                  entities,   particularly  during  the  period  in  which  this
                  quarterly report is being prepared;

              (f) Designed such internal  control over financial  reporting,  or
                  caused such internal  control over  financial  reporting to be
                  designed  under  our   supervision,   to  provide   reasonable
                  assurance regarding the reliability of financial reporting and
                  the preparation of financial  statements for external purposes
                  in accordance with generally accepted accounting principles;

              (g) Evaluated the  effectiveness  of the  registrant's  disclosure
                  controls  and  procedures  and  presented  in this  report our
                  conclusions about the effectiveness of the disclosure controls
                  and  procedures,  as of the end of the period  covered by this
                  quarterly report based on such evaluation; and

              (h) Disclosed  in  this  report  any  change  in the  registrant's
                  internal control over financial reporting that occurred during
                  the   registrant's   most  recent  fiscal   quarter  that  has
                  materially  affected,  or is  reasonably  likely to materially
                  affect,  the  registrant's  internal  control  over  financial
                  reporting; and

         5.   The registrant's  other certifying  officers and I have disclosed,
              based on our most  recent  evaluation  of  internal  control  over
              financial  reporting,  to the registrant's  auditors and the audit
              committee of the registrant's board of directors:

              (a) All significant  deficiencies  and material  weaknesses in the
                  design  or  operation  of  internal   control  over  financial
                  reporting which are reasonably  likely to adversely affect the
                  registrant's ability to record, process,  summarize and report
                  financial information; and

              (b) Any fraud,  whether or not material,  that involves management
                  or other  employees who have a  significant  role in the small
                  business issuer's internal control over financial reporting.

         Dated: May 14, 2004

                                            By:   /s/ Linda O'Donnell
                                            -------------------------
                                            Linda O'Donnell
                                            Chief Financial Officer