EXHIBIT
  13

AXA

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES OXLEY ACT OF 2002

In connection with the Annual Report on Form 20-F for the year ended December 31, 2003 of AXA (the Registrant), as filed with the United States Securities and Exchange Commission on the date hereof (the Report), I, Henri de Castries, Chief Executive Officer of AXA certify, pursuant to 18. U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, to my best knowledge, that:

|(1) | The
      Report fully complies, in all material respects, with the requirements of
      Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended;
      and                                               
|--- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | The
      information contained in the Report fairly presents, in all material respects,
      the financial condition and resultsof operations of the Registrant, as of,
      and for, the periods presented in the Report.

The foregoing certification is provided solely for purposes of complying with the provisions of Section 906 of the Sarbanes-Oxley Act of 2002 and is not intended to be used or relied upon for any other purpose.



| | /s/Henri
      de CastriesChief Executive Officer
      June 22, 2004
| | ---------------------------------------------------------------------



AXA

CERTIFICATION
  PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE
  SARBANES OXLEY ACT OF 2002

In connection
  with the Annual Report on Form 20-F for the year ended December 31, 2003 of
  AXA (the Registrant), as filed with the United States Securities
  and Exchange Commission on the date hereof (the Report), I, Denis
  Duverne, Chief Financial Officer and a Member of the Management Board of AXA
  certify, pursuant to 18. U.S.C. Section 1350, as adopted pursuant to Section
  906 of the Sarbanes-Oxley Act of 2002, to my best knowledge, that:

|(1) | The
      Report fully complies, in all material respects, with the requirements of
      Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended;
      and                                                 
|--- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | The
      information contained in the Report fairly presents, in all material respects,
      the financial condition and results of operations of the Registrant[, as
      of, and for, the periods presented in the Report.

The foregoing
  certification is provided solely for purposes of complying with the provisions
  of Section 906 of the Sabanes-Oxley Act of 2002 and is not intended to be used
  or relied upon for any other purpose.



| | /s/Denis
      DuverneChief Financial Officer Member of the Management Board
      June 22, 2004
| | ------------------------------------------------------------------------------------------------