MILLING
  BENSON                                                       Charles A. Snyder
WOODWARD L.L.P.                                   A Professional Law Corporation
---------------------------                                       (504) 569-7230
      Attorneys at Law                                    csnyder@millinglaw.com



                             November 12, 2004





Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549

Via Edgar Electronic Filing System


Gentlemen:

         Pursuant to regulations of the Securities and Exchange Commission,
submitted herewith for filing on behalf of Avoca, Incorporated (the "Company")
is the Company's Report on Form 10-QSB for the period ended September 30, 2004.

         This filing is being effected by direct transmission to the
Commission's EDGAR system.

                                      Sincerely,


                                      /s/ Charles A. Snyder


CAS/kj326809

<PAGE>

           UNITED STATES SECURITIES AND EXCHANGE COMMISSION

                          Washington, D.C. 20549

                               FORM 10-QSB
(Mark One)

[X]  QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE
        SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2004
                               ------------------

[ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT

For the transition period from                      to
                               --------------------    ------------------------

Commission file number 0-9219
                       ------

                            AVOCA, INCORPORATED
      -----------------------------------------------------------------
      (Exact name of small business issuer as specified in its charter)

                                Louisiana
      -----------------------------------------------------------------
       (State or other jurisdiction of incorporation or organization)

                                72-0590868
      -----------------------------------------------------------------
                    (I.R.S. Employer Identification No.)

       228 St. Charles Avenue, Suite 838, New Orleans, Louisiana 70130
      -----------------------------------------------------------------
                  (Address of principal executive offices)

                              (504) 552-4720
                              ---------------
                         (Issuer's telephone number)

      -----------------------------------------------------------------
------(Former name, former address and former fiscal year, if changed since last
      report)

Check whether the issuer (1) filed all reports required to be filed by Section
13 or 15(d) of the Exchange Act during the past 12 months (or for such shorter
period that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days.
Yes   X    No
    ------    ------

         APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS
                        DURING THE PRECEDING FIVE YEARS
        Check whether the registrant filed all documents and reports required to
be filed by Section 12, 13 or 15(d) of the Exchange Act after the distribution
of securities under a plan confirmed by a court.  Yes        No
                                                      ------    ------

                     APPLICABLE ONLY TO CORPORATE ISSUERS
        State the number of shares outstanding of each of the issuer's classes
of common equity, as of the latest practicable date:
830,500 shares on October 31, 2004
----------------------------------

Transitional Small Business Disclosure Format (check one);  Yes        No   X
                                                                ------    ------

                                                                    Page 1 of 18
<PAGE>

                             AVOCA, INCORPORATED
                             -------------------

                                  I N D E X
                                  ---------



                                                                    Page No.
                                                                    --------
Part I.           Financial Information (Unaudited)
                  ---------------------

                  Condensed Balance Sheet - September 30, 2004         4

                  Condensed Statements of Income
                        Three Months Ended September 30, 2004
                        and 2003 and Nine Months Ended
                        September 30, 2004 and 2003                    5

                  Condensed Statements of Cash Flows
                        Nine Months Ended September 30, 2004
                        and 2003                                       6

                  Notes to Condensed Financial Statements              7

                  Management's Discussion and Analysis or
                  Plan of Operation                                   8-13

                  Controls and Procedures                              14

Part II.          Other Information
                  -----------------

                  Legal Proceedings                                    15

                  Exhibits and Reports on Form 8-K                    15-16

                  Signature                                            16

                  Certifications                                      17-18



                                                                    Page 2 of 18

<PAGE>



                            AVOCA, INCORPORATED

                       PART I - FINANCIAL INFORMATION

                         Item 1 Financial Statements

                                                                    Page 3 of 18
<PAGE>
<TABLE>
<CAPTION>

                                                    Avoca, Incorporated

                                            Condensed Balance Sheet (Unaudited)

                                                    September 30, 2004


<S>                                                                                                                    <C>
Assets
Current assets:
     Cash and cash equivalents                                                                                         $ 2,286,124
     Short-term investments                                                                                              1,503,357
     Accounts receivable                                                                                                   395,749
     Accrued interest receivable                                                                                            26,637
     Prepaid expenses                                                                                                      149,072
                                                                                                                       -----------
Total current assets                                                                                                     4,360,939

Property and equipment, less accumulated depreciation and depletion                                                         70,493

Other assets:
     Long-term investments                                                                                               1,629,524
     Avoca Drainage Bonds, $415,000, in default -- at nominal amount                                                             1
                                                                                                                       -----------
                                                                                                                       $ 6,060,957
                                                                                                                       ===========


Liabilities and shareholders' equity
Current liabilities:
     Accounts payable and accrued expenses                                                                             $    29,333
     Income taxes payable                                                                                                  116,022
                                                                                                                       -----------
Total current liabilities                                                                                                  145,355

Deferred income taxes                                                                                                       13,643

Shareholders' equity:
     Common stock, no par value -- authorized, issued and outstanding
          830,500 shares                                                                                                    94,483
     Retained earnings                                                                                                   5,807,476
                                                                                                                       -----------
Total shareholders' equity                                                                                               5,901,959
                                                                                                                       -----------
                                                                                                                       $ 6,060,957
                                                                                                                       ===========



See accompanying notes
                                                                                                                        Page 4 of 18
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
                                                       Avoca, Incorporated

                                              Condensed Statements of Income (Unaudited)


                                                                    Three months ended                    Nine months ended
                                                                        September 30                         September 30
                                                                  2004               2003              2004               2003
                                                                  ----               ----              ----               ----
Revenue:
<S>                                                            <C>                <C>               <C>                <C>
   Royalties                                                   $ 1,308,282        $ 1,273,858       $ 3,863,328        $ 3,200,064
   Less severance taxes                                             41,732             37,387           138,546             75,736
                                                               -----------        -----------       -----------        -----------
                                                                 1,266,550          1,236,471         3,724,782          3,124,328

   Lease bonuses                                                   273,000                  -           273,000             40,617
   Interest income                                                  22,356             17,147            54,284             49,828
   Rental and miscellaneous income                                  10,432             12,447            55,104             29,063
                                                               -----------        -----------       -----------        -----------
                                                                 1,572,338          1,266,065         4,107,170          3,243,836

Expenses:
   Legal and accounting services                                    20,838             18,606            73,890            118,684
   Consultant fees                                                  14,500             13,250            63,050             56,550
   Geological and engineering fees                                   3,150              4,857             7,844             16,542
   Insurance                                                        13,290             12,740            39,103             36,971
   Miscellaneous expenses                                           19,727             20,492            91,259             92,770
                                                               -----------        -----------       -----------        -----------
                                                                    71,505             69,945           275,146            321,517
                                                               -----------        -----------       -----------        -----------

Income before income taxes                                       1,500,833          1,196,120         3,832,024          2,922,319

Income taxes                                                       480,920            373,366         1,207,598            905,226
                                                               -----------        -----------       -----------        -----------

Net income                                                     $ 1,019,913        $   822,754       $ 2,624,426        $ 2,017,093
                                                               ===========        ===========       ===========        ===========



Earnings per share                                             $      1.23        $      0.99       $      3.16        $      2.43
                                                               ===========        ===========       ===========        ===========
    (basic and diluted)





See accompanying notes
                                                                                                                        Page 5 of 18
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
                                                      Avoca, Incorporated

                                           ondensed Statements of Cash Flows (Unaudited)


                                                                                                         Nine months ending
                                                                                                            September 30
                                                                                                      2004                 2003
                                                                                                  ----------------------------------

Operating activities
<S>                                                                                               <C>                  <C>
Net income                                                                                        $ 2,624,426          $ 2,017,093
Adjustments to reconcile net income to net cash
  provided by (used in) operating activities:
     Depreciation expense                                                                               6,086                6,855
     Deferred taxes                                                                                    (1,298)              (1,298)
     Decrease in investments due to amortization of premium                                            16,370
     Changes in operating assets and liabilities:
         Operating assets                                                                            (213,898)            (216,800)
         Operating liabilities                                                                        135,285               87,149
                                                                                                  -----------          -----------
Net cash provided by operating activities                                                           2,566,971            1,892,999

Investing activities
     Purchase of investments                                                                       (1,323,374)          (4,346,139)
     Maturity of investments                                                                        2,520,262            3,042,005
                                                                                                  -----------          -----------
Net cash provided by (used in) investing activities                                                 1,196,888           (1,304,134)

Financing activities
Dividends paid                                                                                     (2,366,925)          (1,453,375)
                                                                                                  -----------          -----------
Net cash used in financing activities                                                              (2,366,925)          (1,453,375)

Increase (decrease) in cash and cash equivalents                                                    1,396,934             (864,510)

Cash and cash equivalents at beginning of period                                                      889,190            1,182,312
                                                                                                  -----------          -----------

Cash and cash equivalents at end of period                                                        $ 2,286,124          $   317,802
                                                                                                  ===========          ===========






See accompanying notes
                                                                                                                        Page 6 of 18
</TABLE>
<PAGE>
                            Avoca, Incorporated

             Notes to Condensed Financial Statements (Unaudited)

                    Nine months ended September 30, 2004



1.  Basis of Accounting

        The accompanying unaudited condensed financial statements have been
prepared in accordance with generally accepted accounting principles for interim
financial information and with the instructions of Form 10-QSB and Item 310(b)
of Regulation S-B. Accordingly, they do not include all of the information and
footnotes required by generally accepted accounting principles for complete
financial statements. In the opinion of management, all normal and recurring
adjustments and accruals considered necessary for a fair presentation have been
included. Operating results for the nine-month period ended September 30, 2004
are not necessarily indicative of the results that may be expected for the year
ended December 31, 2004. For further information, refer to the financial
statements and footnotes thereto included in the Company's annual shareholders'
report incorporated by reference in the Form 10-KSB for the year ended December
31, 2003.

        The Company considers its United States Government securities held with
a maturity of three months or less when purchased to be cash equivalents.

                                                                    Page 7 of 18
<PAGE>






Item 2 -          Management's Discussion and
                  Analysis or Plan of Operation

        Avoca Incorporated is a passive company which owns and manages
approximately 16,000 acres comprising virtually all of Avoca Island southeast of
Morgan City, Louisiana under which hydrocarbons are located. The hydrocarbons
are developed in accordance with the custom in the oil and gas industry in
Louisiana, in which development is conducted by the mineral lessee including the
assumption of the risks and uncertainties usually associated with the production
and marketing of hydrocarbons.
        The unaudited condensed statements of income show that net income for
the third quarter of 2004 as compared with the third quarter of 2003 increased
from $822,754 to $1,019,913 or approximately 24%, due primarily to the receipt
of a partial lease bonus payment on a new oil, gas and mineral lease.
        On September 13, 2004, Avoca, Incorporated received $273,000 from
Argyle Energy, Inc. which represented half of a lease bonus payment toward the
granting of a three year oil, gas and mineral lease covering 2,273 acres of
Company property on the northern part of the island. Under the agreement, Argyle
had thirty days to pay the balance of the lease bonus or forfeit the first
payment. On October 8, the balance of $273,000 was paid and the lease was
executed. Also on that date, Argyle paid the Company $53,600 for a six-month
option to lease all or a part of an additional 2,273 acres surrounding the
original leased property under the same terms and conditions.
        Revenues from royalties net of severance taxes increased from
$1,236,471 to $1,266,550. Net royalty income for the third quarter of 2003
includes $198,943 (substantially all of which relates to production from prior
quarters) received as a result of the Company compromising with the State of
Louisiana by signing a revenue sharing agreement with respect to the right to
receive royalties

                                                                    Page 8 of 18
<PAGE>

attributable to a sixteen acre tract included in The Meridian
Resources & Exploration Company No. 47-1 well's unit. The issue involved was
whether the tract may have been subject to some erosion along the bank line. As
a result of the compromise, the Company's net revenue interest in the unit
increased from 12.71% to 12.93% and royalties from the disputed acreage, which
were being held since inception of the well's production, were released to the
Company.
        Net royalty income relative to production for the third quarter of 2004
increased 22% as compared to the like period of 2003 resulting primarily from an
overall 10% increase in natural gas production (due in large part to the return
to production of the Meridian C.M. Thibodaux No. 1 well in July 2003) coupled
with an 11% increase in the average sales price. Net royalty income from sales
of condensate remained virtually unchanged, the 18% decline in its production
compensated for by a 30% increase in the average sales price. For the third
quarter of 2004, net royalties from natural gas accounted for approximately 83%
of the total net royalty revenue and condensate accounted for 8% as compared to
76% and 8% respectively for the third quarter of 2003. Revenue from plant
product (natural gas liquids), which was nonexistent for the third quarter of
2003, contributed 9% of net royalty income for the third quarter of 2004. All
producing wells are located in the Ramos Field, across Bayou Chene just north of
the eastern end of Avoca Island. The following table provides production
information on the principal producing wells for the third quarters of 2004 and
2003.

                                                                    Page 9 of 18
<PAGE>



                                                                      Increase
                                              Royalty Income         (Decrease)
                           Net Revenue    Net of Severance Taxes  in Natural Gas
    Operator/Well            Interest        2004         2003       Production
    ----------------------------------------------------------------------------

    The Meridian Resources & Exploration Company:

        No. 47-1              (1)12.93%    $  571,241    $  739,532      (14%)
        C.M. Thibodaux No. 1  (2) 2.71%    $  344,348    $  121,896      101%
        C.M. Thibodaux No. 3      2.71%    $  302,823    $  232,199        3%
        State Lease No. 16049 (3) 2.71%    $   38,771    $  136,383      (80%)

    Delta Operating Corporation:

        Avoca No. 1              19.46%    $    9,278    $    6,391       24%

        (1)  The Company's net revenue interest in the unit has increased from
             12.71% to 12.93% as a result of the revenue sharing agreement
             signed with the State of Louisiana discussed above.
        (2)  Off production from mid December 2002 to July 19, 2003.
        (3)  Off production from since August 1, 2004. According to the operator
             the well is expected to return to production after a workover
             operation.

        Interest income on investments increased $5,209 or approximately 30%
compared to the same period of 2003 due to increased funds available for
investment and slightly higher interest rates.
        Rental and miscellaneous income decreased $2,105 primarily as a result
of fewer alligator eggs collected in 2004 as compared to 2003.
        As compared with the third quarter of 2003, total expenses for the
third quarter of 2004 increased $1,560 or approximately 2%. Minor increases in
legal and accounting services, consultant fees and insurance were partially
offset by decreases in geological and engineering fees and miscellaneous
expenses.

                                                                   Page 10 of 18
<PAGE>
        The change in income tax expense for the three months ended September
30, 2004 resulted from an increase in taxable income for the third quarter of
2004 as compared to the third quarter of 2003.
        Total revenue for the nine months ended September 30, 2004 increased
$863,334 or approximately 27%, primarily due to significant increases in royalty
income and lease bonus income.
        For the nine-month period, royalties net of severance taxes increased
$600,454 or approximately 19% higher than the corresponding period of 2003 due
primarily to a full nine months of production in 2004 from the C.M. Thibodaux
No. 1 well (which was off production mid December of 2002 to July 19, 2003). The
return to production of this well more than offset the 3% decrease in the
average sales price of natural gas and the offset declining production from the
Meridian State Lease No. 16049 well. According to the operator, this well which
went off production August 1, 2004 is expected to return to production after a
workover operation. Also contributing to the increase in royalty income was the
$198,943 received by the Company as a result of signing a revenue sharing
agreement with the State of Louisiana as previously discussed above. For the
nine month period, net royalties from natural gas accounted for approximately
83% of the total net royalty revenue and condensate accounted for 9% as compared
to 83% and 10% respectively for the comparable period of 2003. Revenue from
plant product (natural gas liquids), which was nonexistent for the nine-month
period of 2004, contributed 9% of net royalty income for the first nine months
of 2004. The following table summarizes production information on the principal
producing wells for the first nine months of 2004 compared to 2003.

                                                                   Page 11 of 18
<PAGE>
                                                                      Increase
                                              Royalty Income         (Decrease)
                           Net Revenue    Net of Severance Taxes  in Natural Gas
    Operator/Well            Interest         2004        2003       Production
    ----------------------------------------------------------------------------

    The Meridian Resources & Exploration Company:

        No.47-1            (1)(2)12.93%    $1,728,189    $1,752,942        5%
        C.M. Thibodaux No.1   (3) 2.71%    $  925,252    $  125,110      479%
        C.M. Thibodaux No.3       2.71%    $  820,338    $  711,281        4%
        State Lease No.16049  (4) 2.71%    $  225,010    $  493,618      (62%)

    Delta Operating Corporation:

        Avoca No. 1              19.46%    $   25,423    $   37,583      (25%)

        (1)  The Company's net revenue interest in the unit has increased from
             12.71% to 12.93% as a result of the revenue sharing agreement
             signed with the State of Louisiana previously discussed.
        (2)  Off production due to mechanical difficulties from April 11 to
             May 18, 2003
        (3)  Off production mid December 2002 to July 19, 2003
        (4)  Off production since August 1, 2004. According to the operator, the
             well is expected to return to production aftera workover operation.

        As previously discussed, the Company received a $273,000 lease bonus
payment for the first nine months of 2004 compared to one lease granted in 2003
to McRae Exploration & Production, Inc. that generated $40,617. The lease
covered 135.39 acres, which was Avoca's participation in the Burlington
Resources Oil & Gas Company's Conrad Industries No. 1 well unit located in the
Wyandotte Field opposite the northern part of Avoca Island. The well produced
for four months in 2000 before it was plugged and abandoned. McRae re-drilled
this well which, after pulling up the hole to another objective Sand, resulted
in unsuccessful well tests. The operator plugged and abandoned the well August
7, 2004.

                                                                   Page 12 of 18
<PAGE>
        Interest income from investments increased $4,456 for the first nine
months of 2004 as compared to the like period of 2003 due to increased funds
available for investment and slightly higher interest rates.
        Rental and miscellaneous income decreased $26,041 primarily the result
of the execution of a new mooring lease and the early termination and rental
refund in 2003 on a mooring lease originally executed in 2002.
        As compared with the first nine months of 2003, total expenses
decreased $46,371 or approximately 14%. A reduction in the level of litigation
activity (included in legal and accounting services) and a reduced need for
geological services resulted in decreases in expenses of $42,721 and $8,698
respectively which more than offset increases in consultant fees and insurance
expense of $6,500 and $2,132 respectively.
        The change in income tax expense for the nine months ended September
30, 2004 resulted from an increase in taxable income for the period.
        The Company's continued liquidity is evidenced by the fact that
approximately 75% of its assets, as measured by book value, are cash and U.S.
Government agency securities and represents the equivalent of multiple years of
anticipated operating expenses.
        In addition to interest income and the leasing of hunting rights, the
Company customarily derives essentially all of its other income from bonuses,
delay rentals and royalties under oil, gas and mineral leases of its Avoca
Island acreage. The Company's business is passive and all capital requirements
for exploration, development and production of the Company's mineral resources
are funded by its lessees.

                                                                   Page 13 of 18
<PAGE>

Item 3 -          Controls and Procedures

        Robert C. Baird, Jr., the Company's principal executive and financial
officer, has evaluated the effectiveness of the Company's disclosure controls
and procedures (as defined in Rule 13a-14(c) under the Securities Exchange Act
of 1934) as of the end of the period covered by this report. Based on that
evaluation, he has concluded that the Company's disclosure controls and
procedures are adequate and effective. There have been no significant changes in
the Company's internal control over financial reporting that occurred during the
Company's second fiscal quarter of 2004 that have materially affected, or are
reasonably likely to materially affect, the Company's internal controls over
financial reporting.

                                                                   Page 14 of 18
<PAGE>



                        Part II - OTHER INFORMATION

Item 1 -  Legal Proceedings
        There were no material developments during the period covered by this
Report in either of the previously-reported legal proceedings.
Item 6 -  Exhibits and Reports on Form 8-K
        (a)     Exhibits required by Item 601 of Regulation S-B.
          3.1     Copy of Composite Charter1

          3.2     Copy of Charter, dated October 21, 19311

          3.3     Copy of amendment to Charter, dated
                  September 13, 19721

          3.4     Copy of amendment to Charter, dated
                  May 30, 19751

          3.5     Copy of amendment to Charter, dated September 15, 19812

          3.6     Copy of amendment to Charter, dated March 17, 19872

          3.7     Copy of Composite Charter (as of August 14, 1987)2

          4.0     Copy of specimen stock certificate1

          31      Certification by the Company's Principal Executive Officer
                  or Principal Financial Officer pursuant to Rule 13-14(a) or
                  Rule 15d-14(a), as adopted pursuant to Section 302 of the
                  Sarbanes-Oxley Act of 2002.

          32      Certification by the Company's Principal Executive Officer or
                  Principal Financial Officer pursuant to 18 U.S.C. Section
                  1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
                  Act of 2002.

--------------------------------------
1     Incorporated by reference from registrant's Form 10 Registration
      Statement, filed with the Securities and Exchange Commission on April 29,
      1980, Commission file number 0-9219.

2     Incorporated by reference from registrant's Form 8 Report dated
      August 14, 1987, Commission file number 0-9219.

                                                                   Page 15 of 18
<PAGE>


        (b)     Reports on Form 8-K.
                None.

                                  SIGNATURES
                                  ----------
        In accordance with the requirements of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.

                                       AVOCA, INCORPORATED
                                       -----------------------------------------
                                           Registrant

November 12, 2004                      /s/ Robert C. Baird, Jr.
                                       -----------------------------------------
                                       Robert C. Baird, Jr.
                                       President and Principal Financial Officer

                                                                   Page 16 of 18

<PAGE>



                                EXHIBIT 31

                              CERTIFICATION
                Pursuant to Rule 13a-14(a) or Rule 15d-14(a)


      I, Robert C. Baird, Jr., certify that:

      1.    I have reviewed this quarterly report on Form 10-QSB of Avoca,
Incorporated (the "Company");

      2.    Based on my knowledge, this 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 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 Company as of,
and for, the periods presented in this report;

      4.    I am responsible for establishing and maintaining disclosure
controls and procedures (as defined in Exchange Act Rules 13a-15(e) and
15d-15(e)) for the Company and have:

      a)    Designed such disclosure controls and procedures, or caused such
controls and procedures to be designed under my supervision, to ensure that
material information relating to the Company is made known to me by others
within the Company, particularly during the period in which this report is being
prepared;

      b)    Evaluated the effectiveness of the Company's disclosure controls and
procedures and presented in this report my 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

      c)    Disclosed in this report any change in the Company's internal
control over financial reporting that occurred during the Company's third fiscal
quarter that has materially affected, or is reasonably likely to materially
affect, the Company's internal control over financial reporting.

      5.    I have disclosed, based on my most recent evaluation, to the
Company's auditors and the audit committee of the Company's board of directors
(or persons performing the equivalent functions):

      a)    All significant deficiencies in the design or operation of internal
control over financial reporting which are reasonably likely to adversely affect
the Company'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 Company's internal control
over financial reporting.

Date  November 12, 2004
      ----------------------
                                       /s/ Robert C. Baird, Jr.
                                       -----------------------------------------
                                       Robert C. Baird, Jr.
                                       Principal Executive Officer and
                                       Principal Financial Officer

                                                                   Page 17 of 18
<PAGE>



                                EXHIBIT 32

                              CERTIFICATION
                    Pursuant to 18 U.S.C. Section 1350


        Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906
of the Sarbanes-Oxley Act of 2002, the undersigned officer of Avoca,
Incorporated (the "Company") certifies that the quarterly report on Form 10-QSB
of the Company for the quarter ended September 30, 2004, fully complies with the
requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934
and the information contained in that Form 10-QSB fairly presents, in all
material respects, the financial condition and results of operation of the
Company.

Date  November 12, 2004
      ---------------------

                                       /s/ Robert C. Baird, Jr.
                                       -----------------------------------------
                                       Robert C. Baird, Jr.
                                       Principal Executive Officer and
                                       Principal Financial Officer

                                                                   Page 18 of 18