<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>ex99cert.txt
<DESCRIPTION>CERTIFICATION OF CHIEF EXECUTIVE OFFICER
<TEXT>



                                   Exhibit 99



<PAGE>



                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                           AND CHIEF FINANCIAL OFFICER
                                   PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     The  undersigned  hereby  certifies,  pursuant  to, and as required  by, 18
U.S.C.  Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley
Act of 2002,  that the Quarterly  Report of DCAP Group,  Inc. (the "Company") on
Form 10-QSB for the period  ended  September  30, 2002 fully  complies  with the
requirements  of Section 13(a) or 15(d) of the Securities  Exchange Act of 1934,
as amended,  and that  information  contained in such  Quarterly  Report on Form
10-QSB fairly presents,  in all material respects,  the financial  condition and
results of operations of the Company.



Dated: November 12, 2002                    /s/ Barry Goldstein
                                            -----------------------------
                                            Barry Goldstein
                                            Chief Executive Officer and
                                            Chief Financial Officer











<PAGE>

</TEXT>
</DOCUMENT>
