| 1. | I                have reviewed this quarterly report on Form 10-QSB of Delta Mutual,                Inc.; |
|----|-----------------------------------------------------------------------------------------------------------|

| 2. | Based                on my knowledge, this report does not contain any untrue statement                of                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 period covered by this                report; |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | Based                on my knowledge, the financial statements, and other financial                information                included in this report, fairly present in all material respects                the financial condition, results of operations and cash flows of                the                small business issuer as of, and for, the periods presented in this                report; |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4. | The                small business issuer's other certifying officer(s) and I are responsible                for establishing                and maintaining disclosure controls and procedures (as defined                in Exchange Act Rules 13a-14 and 15d-14) for the small business issuer                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, is made                known                to us by others within those entities, particularly during the period                in                which this 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 small business issuer'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 report based on such evaluation; and |
|--|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (d) | disclosed                in this report any change in the small business issuer’s internal                control                over financial reporting that occurred during the Company's most                recent fiscal quarter (the Company's fourth quarter in the case                of                an annual report) that has materially affected, or is reasonably                likely                to materially affect, the small business issuer's internal control                over                financial reporting; and |
|--|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5. | The                small business issuer's other certifying officer(s) and I have disclosed,                based on   our                most recent evaluation of internal control over financial reporting,                to                the small business issuer's auditors and the audit committee of the                small                business issuer's board of directors (or persons performing the equivalent                functions): |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (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 small business issuer'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. |
|--|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                               |                                                                 |                            |
|------------------------------------|----------------------------------------------------------------------|---------------------------------|
| Date:              August 10, 2007 |                                                                      | /s/              Peter F. Russo |
|                               | Peter                F. Russo Chief                Executive Officer |

----