<PAGE>
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

[X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE
     ACT OF 1934

                    For the Quarter ended September 30, 2005

                         Commission file number: 0-17482

[ ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

               For the transition period from ________ to ________

                                County Bank Corp
                             Michigan EIN 38-0746329
                      83 W. Nepessing St., Lapeer, MI 48446
                                 (810) 664-2977

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by section 13 of 15(d) of the Securities Exchange Act of 1934 during
the preceding 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
    -----    -----

Indicate by check mark whether the registrant is an accelerated filer (as
defined in Rule 12b-2 of the Exchange Act).

Yes       No   X
    -----    -----

Indicate by check mark whether the registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act). Yes       No   X
                                     -----    -----

Indicate the number of shares outstanding as of each of the issuer's classes of
common stock, as of the latest practicable date.

There are 1,118,315 shares of common stock outstanding as of September 30, 2005.

<PAGE>

                                COUNTY BANK CORP

                                    FORM 10-Q

                    For the Quarter ended September 30, 2005

<TABLE>
<CAPTION>
                                                                            PAGE
                                                                            ----
<S>                                                                         <C>
PART I: FINANCIAL INFORMATION
   Item 1.   Financial Statements
             Balance Sheets-                                                  4
             Statements of Income-                                            5
             Statement of Cash Flows-                                         6
             Notes to Financial Statements-                                   7
   Item 2.   Management's Discussion and Analysis of Financial Condition
                and the Results of Operations                                 8
   Item 3.   Quantitative and Qualitative Disclosures about Market Risk      10
   Item 4.   Controls and Procedures                                         10

PART II: OTHER INFORMATION
   Item 1.   Legal Proceedings                                               10
   Item 5.   Other Matters                                                   10
   Item 6.   Exhibits and Reports of Form 8-K                                11

All items except those set forth above are inapplicable and have been
omitted.

SIGNATURES                                                                   12
</TABLE>

This report includes forward-looking statements within the meaning of section
27a of the Securities Act of 1933, as amended, which involve inherent risks and
uncertainties. A number of important factors could cause actual results to
differ materially from those in the forward-looking statements. Those factors
include the economic environment, competition, products and pricing in the
geographic area and business areas in which County Bank Corp (the Corporation)
operates, prevailing interest rates, changes in government regulations and
policies affecting financial services companies, credit quality and credit risk
management, changes in the banking industry including the effects of
consolidation resulting from possible mergers of financial institutions,
acquisitions and integration of acquired businesses. The Corporation undertakes
no obligation to release revisions to these forward-looking statements or
reflect events or circumstances after the date of this report.


                                                                               2

<PAGE>

Part I - Financial Information

Item I - Financial Statements

Introduction to Financial Statements

The consolidated financial statements of County Bank Corp and subsidiary, Lapeer
County Bank & Trust Co., have been prepared, without audit, pursuant to the
rules and regulations of the Securities and Exchange Commission. Certain
information and footnote disclosures normally included in financial statements
prepared in accordance with generally accepted accounting principles have been
omitted pursuant to such rules and regulations. The Company believes that the
disclosures are adequate to make the information presented not misleading when
read in conjunction with financial statements and the notes thereto included in
County Bank Corp's Form 10-K as filed with the Securities and Exchange
Commission for the year ended December 31, 2004

The financial information presented reflects all adjustments (consisting only of
normal recurring adjustments) which are, in the opinion of management, necessary
for a fair statement of the results for the interim periods presented. The
results for interim periods are not necessarily indicative of the results to be
expected for the year.

Critical Accounting Policies

The nature of the financial services industry is such that, other than described
below, the use of estimates and management judgment are not likely to present a
material risk to the financial statements. In cases where estimates or
management judgment are required, internal controls and processes are
established to provide assurance that such estimates and management judgments
are materially correct to the best of management's knowledge.

Allowance for Loan Losses. Accounting for loan classifications, accrual status
and determination of the allowance for loan losses is based on regulatory
guidance. This guidance includes, but is not limited to, generally accepted
accounting principles, the uniform retail credit classification and joint policy
statement on the allowance for loan losses methodologies issued by the Federal
Financial Institutions Council. Accordingly, the allowance for loan losses
includes a reserve calculation based on an evaluation of loans determined to be
impaired, risk ratings, historical losses, loans past due, and other subjective
factors.


                                                                               3

<PAGE>

CONSOLIDATED FINANCIAL STATEMENTS
BALANCE SHEETS (in thousands)

<TABLE>
<CAPTION>
                                                  (Unaudited)
                                                 September 30   December 31
                                                     2005           2004
                                                 ------------   -----------
<S>                                              <C>            <C>
ASSETS
Cash and due from banks                            $ 11,996       $ 11,293
Federal funds sold                                      550          3,500
   Cash and cash equivalents                         12,546         14,793
Investment securities available for sale             39,356         43,740
Investment securities held to maturity               18,524         20,176
Other securities                                        541            541
                                                   --------       --------
   Total investment securities                       58,421         64,457
Loans                                               178,582        167,334
   Less: Reserve for possible loan losses             1,914          2,012
                                                   --------       --------
      Net loans                                     176,668        165,322
Bank premises and equipment                           6,606          6,067
Interest receivable and other assets                  3,114          2,622
                                                   --------       --------
   TOTAL ASSETS                                    $257,355       $253,261
                                                   ========       ========

LIABILITIES AND STOCKHOLDERS' EQUITY
LIABILITIES:
Deposits:
   Non-interest bearing demand                     $ 40,972       $ 40,614
   Interest bearing demand                           69,409         64,766
   Savings                                           50,789         54,179
   Time                                              59,287         57,253
                                                   --------       --------
      Total deposits                                220,457        216,812
Other borrowed funds                                  2,550          3,060
Interest payable and other liabilities                3,018          2,889
                                                   --------       --------
   TOTAL LIABILITIES                                226,025        222,761

STOCKHOLDERS' EQUITY
Common Stock-$5.00 par value, 3,000,000 shares
   authorized and 1,118,315 shares outstanding        5,591          5,591
Surplus                                               8,634          8,634
Undivided profits                                    15,238         13,490
Unrealized gains and losses on securities
   available for sale                                 1,867          2,785
                                                   --------       --------
   TOTAL STOCKHOLDERS' EQUITY                        31,330         30,500
                                                   --------       --------
   TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY      $257,355       $253,261
                                                   ========       ========
</TABLE>


                                                                               4

<PAGE>

CONSOLIDATED INCOME STATEMENTS
(in thousands)

<TABLE>
<CAPTION>
                                                (Unaudited)         (Unaudited)
                                            Three months ended   Nine months ended
                                               September 30         September 30
                                            ------------------   -----------------
                                               2005     2004       2005      2004
                                              ------   ------    -------   -------
<S>                                         <C>        <C>       <C>       <C>
INTEREST INCOME
Interest and fees on loans                    $2,891   $2,419    $ 8,177   $7,223
Interest on investments: taxable                 263      276        807      830
Interest on investments: nontaxable              329      351      1,009    1,065
Interest on Federal funds sold                    26       24         56       61
                                              ------   ------    -------   ------
      TOTAL INTEREST INCOME                    3,509    3,070     10,049    9,179

INTEREST EXPENSE
   Demand deposits                               340      137        829      344
   Savings deposits                              103       78        300      245
   Time deposits                                 456      406      1,292    1,228
   Federal funds purchased                         1       --          6        2
   Other borrowed funds                           31       24         93       35
                                              ------   ------    -------   ------
      TOTAL INTEREST EXPENSE                     931      645      2,520    1,854
                                              ------   ------    -------   ------

NET INTEREST INCOME                            2,578    2,425      7,529    7,325
Provision for possible loan losses                --       --         --       --
                                              ------   ------    -------   ------
NET INTEREST INCOME AFTER PROVISION
   FOR POSSIBLE LOAN LOSSES                    2,578    2,425      7,529    7,325
OTHER INCOME
Service fees on loan and deposit accounts        438      372      1,239      977
Other                                            334      306        968    1,177
                                              ------   ------    -------   ------
      TOTAL OTHER INCOME                         772      678      2,207    2,154

OTHER EXPENSES
Salaries and employee benefits                 1,386    1,313      3,980    3,912
Net occupancy expense                            256      248        792      757
Other                                            476      474      1,474    1,511
                                              ------   ------    -------   ------
      TOTAL OTHER EXPENSE                      2,118    2,035      6,246    6,180

INCOME BEFORE PROVISION FOR FEDERAL
   INCOME TAX                                  1,232    1,068      3,490    3,229
Provision for Federal income tax                 292      236        804      737
                                              ------   ------    -------   ------
NET INCOME                                       940      832      2,686    2,562
                                              ======   ======    =======   ======

EARNINGS PER SHARE
Net income                                    $ 0.84   $ 0.74    $  2.40   $ 2.24
Cash dividend declared                        $ 0.28   $ 0.27    $  0.84   $ 0.80
</TABLE>


                                                                               5

<PAGE>

STATEMENT OF CASH FLOWS
(in thousands)

<TABLE>
<CAPTION>
                                                             (Unaudited)
                                                          Nine months ended
                                                            September 30
                                                         ------------------
                                                           2005       2004
                                                         --------   -------
<S>                                                      <C>        <C>
Cash flows from operating activities
Net income                                               $  2,686   $ 2,562
Adjustments to reconcile net income to net cash
   provided from operating activities
Depreciation                                                  369       332
Provision for loan losses                                      --        --
Net amortization and accretion of securities                   97       163
Net change in accrued interest receivable                    (492)     (387)
Net change in accrued interest payable and other              603       129
                                                         --------   -------
Net cash provided by operating activities                   3,263     2,799

Cash flows form investing activities
Proceeds from maturities of investment securities: AFS      2,917     7,732
Proceeds from maturities of investment securities: HTM      1,631     2,541
Purchase of investment securities: AFS                         --    (8,828)
Purchase of investment securities: HTM                         --       (76)
Net (increase) decrease in loans                          (11,346)   (2,360)
Premises and equipment expenditures                          (908)     (333)
                                                         --------   -------
Net cash provided from (used in) investing activities      (7,706)   (1,324)

Cash flows from financing activities
Net increase (decrease) in interest bearing and
   non-interest bearing demand accounts                     5,001       249
Net increase (decrease) in savings and time deposits       (1,356)   (1,059)
Proceeds from issuance of long term debt                       --     3,431
Repayment of long term debt                                  (510)     (201)
Payment to repurchase common stock                             --    (3,431)
Cash dividends paid                                          (939)     (912)
                                                         --------   -------
Net cash provided from (used in) financing activities       2,196    (1,923)
                                                         --------   -------

Net increase (decrease) in cash and equivalents            (2,247)     (448)
Cash and equivalents at beginning of year                  14,793    14,072
                                                         --------   -------
Cash and equivalents at end of period                    $ 12,546   $13,624
                                                         ========   =======

Cash paid for:
Interest                                                 $  2,457   $ 1,843
Income taxes                                             $    130   $   498
</TABLE>


                                                                               6

<PAGE>

NOTE 1. INVESTMENTS
(in thousands)

The carrying amount and approximate market value of securities held to maturity
were as follows

<TABLE>
<CAPTION>
                                                                  September 30, 2005
                                                   -----------------------------------------------
                                                                  Gross        Gross     Estimated
                                                   Amortized   Unrealized   Unrealized     Market
                                                      Cost        Gains       Losses       Value
                                                   ---------   ----------   ----------   ---------
<S>                                                <C>         <C>          <C>          <C>
Obligations of states and political subdivisions    $17,363      $  992        $ 6        $18,349
Mortgage-backed securities                            1,161          36         --          1,197
                                                    -------      ------        ---        -------
   Total                                            $18,524      $1,028        $ 6        $19,546
                                                    =======      ======        ===        =======
</TABLE>

The carrying amount and approximate market value of securities held to maturity
were as follows

<TABLE>
<CAPTION>
                                                                   December 31, 2004
                                                   -----------------------------------------------
                                                                  Gross        Gross     Estimated
                                                   Amortized   Unrealized   Unrealized     Market
                                                      Cost        Gains       Losses       Value
                                                   ---------   ----------   ----------   ---------
<S>                                                <C>         <C>          <C>          <C>
Obligations of states and political subdivisions    $18,787       $843          $5        $19,625
Mortgage-backed securities                            1,389         26           1          1,414
                                                    -------       ----         ---        -------
   Total                                            $20,176       $869          $6        $21,039
                                                    =======       ====         ===        =======
</TABLE>

The carrying amount and approximate market value of securities available for
sale were as follows

<TABLE>
<CAPTION>
                                                                  September 30, 2005
                                                   -----------------------------------------------
                                                                  Gross        Gross     Estimated
                                                   Amortized   Unrealized   Unrealized     Market
                                                      Cost        Gains       Losses       Value
                                                   ---------   ----------   ----------   ---------
<S>                                                <C>         <C>          <C>          <C>
U.S. Government securities and obligations of
   U.S. Government corporations and political
      subdivisions                                  $13,552      $   --       $  274      $13,278
Obligations of states and political subdivisions     13,578         317           62       13,833
Corporate securities                                  2,905       3,601          790        5,716
Mortgage-backed securities                            6,493          81           45        6,529
                                                    -------      ------       ------      -------
   Total                                            $36,528      $3,999       $1,171      $39,356
                                                    =======      ======       ======      =======
</TABLE>

The carrying amount and approximate market value of securities available for
sale were as follows

<TABLE>
<CAPTION>
                                                                   December 31, 2004
                                                   -----------------------------------------------
                                                                  Gross        Gross     Estimated
                                                   Amortized   Unrealized   Unrealized     Market
                                                      Cost        Gains       Losses       Value
                                                   ---------   ----------   ----------   ---------
<S>                                                <C>         <C>          <C>          <C>
U.S. Government securities and obligations of
   U.S. Government corporations and political
      subdivisions                                  $14,558      $   12        $119       $14,451
Obligations of states and political subdivisions     13,634         490          47        14,077
Corporate securities                                  2,905       3,802          --         6,707
Mortgage-backed securities                            8,425         128          48         8,505
                                                    -------      ------        ----       -------
   Total                                            $39,522      $4,432        $214       $43,740
                                                    =======      ======        ====       =======
</TABLE>


                                                                               7

<PAGE>

NOTE 2. LOANS
(in thousands)

<TABLE>
<CAPTION>
                                  9/30/2005   12/31/2004
                                  ---------   ----------
<S>                               <C>         <C>
Commercial                         $ 16,528    $ 18,080
Commercial Real estate mortgage      77,546      67,505
Real estate mortgage                 33,909      32,604
Installment                          35,079      36,902
Construction                         15,520      12,243
                                   --------    --------
   Total loans                     $178,582    $167,334
                                   ========    ========
</TABLE>

Transactions in the reserve for possible loan losses were as follows
for the nine months ended September 30:

<TABLE>
<CAPTION>
                                                                   2005     2004
                                                                  ------   ------
<S>                                                               <C>      <C>
Beginning balance at beginning of period                          $2,012   $2,136
Provision charged to earnings                                         --       --
Loans charged off                                                    124      129
Recoveries                                                            26       16
                                                                  ------   ------
Balance at end of the period                                      $1,914   $2,023
                                                                  ======   ======
Reserve as a percent of total loans                                 1.07%    1.23%
Loans outstanding to executive officers, directors, principal
   shareholders and their related companies.  In the opinion of
   management, such loans were made on the same terms and
   conditions as those to other borrowers and did not involve
   more that the normal risk of collectability                    $5,308   $4,559
</TABLE>

ITEM 2. MANAGEMENTS' DISCUSSION OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS.

Financial Condition

The Corporation experienced increasing loan demand through the first three
quarters. Net loans increased $11,346,000 in the first nine months. Commercial
real estate loans grew $10,041,000. Commercial loans declined $1,552,000 while
installment loans declined $1,823,000. These declines were offset by increases
in construction loans of $3,277,000. Mortgages increased $1,305,000. The Bank
has increased its mortgage loan portfolio by selecting and holding quality
mortgages rather than selling them in the secondary market. Management has run
several promotions in both installment loan categories and mortgage loan
categories in an attempt to maintain market share.

Interest bearing and non-interest bearing demand accounts comprise ordinary
checking and NOW accounts and the Bank's proprietary Choice account (an interest
bearing savings account indexed to the Treasury bill auction with checking
privileges). Balances in these accounts increased $5,001,000 during the first
three quarters, $3,080,000 in the third quarter, primarily the result of
increased balances in the Choice product. Statement savings accounts, money
market deposit accounts, IRA accounts and certificates of deposits make up the
category Time and Savings deposits. These balances declined $1,356,000 by the
end of the third quarter. Customers moved to more rate sensitive investments in
response to the increasing rate


                                                                               8

<PAGE>

environment. The Bank has introduced a new line of personal checking accounts
during the second quarter to strengthen and increase its market share.

Purchase activity in the investment portfolio ceased during the first three
quarters. Cash flow from mortgage backed securities continued at accelerated
speeds as a result of low interest rates. Municipal investments declined as
bonds matured. The Corporation used cash generated by the investment portfolio
and increases in interest bearing and non-interest bearing demand accounts to
fund loan demand.

The Corporation continues to invest in its branch locations to meet the service
demands of its customer base. At the same time, the Corporation continues to
upgrade and expand its technology capabilities. The Corporation invested
$908,000 in these projects during the first three quarters of 2005.

Capital Resources

The Corporation paid a quarterly dividend of $.28 per share during each of the
first three quarters. Strong capital ratios in excess of regulatory requirements
enabled the Board of Directors to take this action. The Bank's tier one
risk-based capital ratio was 17.2 on September 30, 2005 after payment of
dividends to the Corporation. The Corporation's tier one risk-based ratio was
15.9%. Financial institutions are adequately capitalized if this ratio exceeds
4.0% and well capitalized if the ratio exceeds 6.0%. The Corporation is repaying
a loan to Comerica Bank acquired during the previous year to retire a portion of
stock from the estate of its largest shareholder. The current balance is
$2,550,000 and requires a payment of $170,000 plus interest per quarter. The
primary use of the Corporation's capital is to support growth.

Results of Operations

Increasing interest rates combined with increased loan demand, moderate deposit
growth and a declining investment portfolio resulted in an improved interest
margin. The quarterly FTE interest margin as percent of average assets for the
third quarter was 4.35%, up slightly from 4.29% in the second quarter of 2005.
The quarterly return on average assets for 2004 was 4.19% during the third
quarter and 4.24% during the second quarter. The interest spread was 4.24%
during the third quarter of 2005. Management anticipates that the Federal
Reserve Bank will increase interest rates in the next few quarters and pressure
on the interest margin will continue as deposit customers seek a higher return.
Loan rates are carefully negotiated to maintain margin, particularly when fixed
rate financing is requested. The Corporation's return on average assets was
1.46% during the third quarter compared to 1.38% in the second quarter of 2005.
During 2004, return on average assets was 1.32% during the third quarter and
1.45% during the second quarter. The Corporation introduced Courtesy Overdraft
Services in July of 2004, resulting in increased income in service charges on
deposit accounts. During the first two quarters of 2004, the Bank received
substantial income from the sale of two properties in Other Real Estate owned,
these one time gains were not repeated in 2005. Other expenses have remained
consistent with previous periods as the Corporation continues to emphasize
control of non-interest expense.

Provision for Possible Loan Losses

Management realizes that loan losses cannot be predicted with absolute
certainty. The Corporation adheres to a loan review procedure that identifies
loans that may develop into problem credits. The adequacy of the reserve for
possible loan losses is evaluated against the listings that result from the
review procedure, historical net loan loss experience, current loan volumes, the
level and composition of non-accrual, past due and renegotiated or reduced rate
loans, current economic conditions, estimated market value of any underlying
collateral, adverse conditions that may effect a borrower's ability to repay,
and an evaluation of each borrower's credit worthiness. This evaluation is
inherently subjective as it requires estimates that are susceptible to
significant revision as more information comes to light. Based on these factors,
management determines the amount of the provision for possible loan losses
needed to maintain an adequate reserve for possible loan losses. The amount of
the provision for possible loan losses is recorded as current expense and may be
greater or less than the actual net charged off loans.


                                                                               9

<PAGE>

Activity related to the reserve for loan losses resulted in net charged off
loans of $98,000 during the first three quarters of 2005. Management did not
fund the reserve for loan losses based on the previously described review.

Liquidity

Liquidity is required to meet loan demand, retire the Corporation's long term
debt and pay dividends to shareholders. Increased loan demand was met by
maturities in the bond portfolio and increased deposits. Cash provided by
operations funded increased investment in fixed assets, debt reduction and
dividends to shareholders. The Corporation normally buys or sells Federal funds
to balance liquidity. The Corporation maintains lines of credit of $5,000,000
with two correspondent banks to meet short-term liquidity demands. During the
quarter, the Corporation occasionally used this credit facility, borrowing a
maximum of $2,650,000 one day in January. The Corporation maintains an available
for sale portfolio of U.S. Government bonds and U.S. Government Sponsored Agency
bonds as additional insurance against liquidity risk.

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The Corporation reported market risk detail in its 10-K filing for the year
ended December 31, 2004. There have been no events or changes to the
Corporations' assets and liabilities that significantly alter those risk
disclosures.

ITEM 4. Controls and Procedures

The Company carried out an evaluation, under the supervision and with the
participation of the Company's management, including the Company's Chief
Executive Officer and Chief Financial Officer, of the effectiveness of the
design and operation of the Company's disclosure controls and procedures as of
September 30, 2005, pursuant to Exchange Act Rule 13a-15. Based upon that
evaluation, the Chief Executive Officer and Chief Financial Officer concluded
that the Company's disclosure controls and procedures were effective as of
September 30, 2005, in timely alerting them to material information relating to
the Company (including its consolidated subsidiaries) required to be included in
the Company's periodic SEC filings.

There was no change in the Company's internal control over financial reporting
that occurred during the Company's fiscal quarter ended September 30, 2005, that
has materially affected, or is reasonably likely to materially affect, the
Company's internal control over financial reporting.

PART II.

ITEM 1. LEGAL PROCEEDINGS

The Corporation from time to time is involved in legal proceedings arising in
the ordinary course of business, which in aggregate involve amounts that are
believed by management to be immaterial to the financial condition of the
Corporation. The Corporation is not currently involved in legal proceedings that
are of a material nature.

ITEM 5. OTHER MATTERS

On October 7, 2005 the Corporation filed a Schedule 13E-3 and a Preliminary
Proxy Statement on Schedule 14A. The purpose of the proxy statement is to
solicit votes to effect two stock split transactions that will reduce the number
of County Bank Corp holders of record to fewer than 300, the level at which


                                                                              10

<PAGE>

County Bank Corp is required to continue to file periodic reports with the SEC.
As a result, if completed, County Bank Corp intends to terminate the
registration of its stock with the SEC.

ITEM 6. EXHIBITS AND REPORTS OF FORM 8-K

A) Exhibits

<TABLE>
<CAPTION>
Exhibit No.                           Description
-----------                           -----------
<S>           <C>
EX-31.1       Certification of Chief Executive Officer

EX-31.2       Certification of Chief Financial Officer

EX-32.1       Certification pursuant to 18 U.S.C. Section 1350 as adopted
              pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EX-32.2       Certification pursuant to 18 U.S.C. Section 1350 as adopted
              pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
</TABLE>


                                                                              11

<PAGE>

                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized

November 14, 2005

                                        COUNTY BANK CORP


                                        /s/ Joseph H. Black
                                        ----------------------------------------
                                        Joseph H. Black
                                        Treasurer and Chief Financial Officer


                                                                              12

<PAGE>

                                  EXHIBIT INDEX

<TABLE>
<CAPTION>
Exhibit No.                           Description
-----------                           -----------
<S>           <C>
EX-31.1       Certification of Chief Executive Officer

EX-31.2       Certification of Chief Financial Officer

EX-32.1       Certification pursuant to 18 U.S.C. Section 1350 as adopted
              pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EX-32.2       Certification pursuant to 18 U.S.C. Section 1350 as adopted
              pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
</TABLE>


                                                                              13