21st Century Holding Company's CEO and CFO Certify Company's SEC Reports

    PLANTATION, Fla.--Aug. 14, 2002--21st Century Holding Company , a vertically integrated financial services holding company, announced today that its Chairman and Chief Executive Officer, Edward J. Lawson, the Company's Chief Financial Officer, J. G. Jennings, III, and the Company's former Chief Financial Officer, Samuel A. Milne, have signed, without exception, and is filing with the Securities and Exchange Commission (SEC) the certifications mandated by The Sarbanes-Oxley Act of 2002.
    In August, Samuel A. Milne, the Company's Chief Financial Officer resigned to take a position with a de novo bank in Miami. The Company has appointed J. G. Jennings, III as the new Chief Financial Officer. Mr. Jennings has been the Company's Controller since May 2000 and from September 1990 to May 2000 was Controller of American Vehicle Insurance Company.
    21st Century Holding Company manages its insurance underwriting, distribution and claims process through its subsidiaries.

--	The Company's wholly owned subsidiaries, Federated National Insurance Company and American Vehicle Insurance Company, underwrite standard and non-standard personal automobile insurance in the state of Florida. Federated National also has authority to underwrite flood insurance, mobile home insurance, and homeowners property and casualty insurance in the state of Florida.
--	The Company's wholly owned managing general agent, Assurance Managing General Agents, Inc., has underwriting authority for Federated National, American Vehicle, and third-party insurance companies.
--	The Company's wholly owned claims adjusting company, Superior Adjusting, Inc., processes claims made by the insureds of Federated National, American Vehicle, and third party insurance companies which contract with Superior.
--	Federated Premium Finance, Inc., another wholly owned subsidiary, offers premium financing to insureds of Federated National and American Vehicle, as well as to third party insureds.
--	Express Tax Service, Inc., an 80% owned subsidiary, licenses its brand name and its software to retail tax preparers and over the Internet.
--	The Company offers other ancillary services including electronic income tax filing, tax preparation and tag & title transfer services through Federated Agency Group, Inc., also a wholly owned subsidiary.
--	Fed USA, Inc., a wholly owned franchiser company, offers single and master franchise opportunities to individuals to own and operate their own business with the support of two brands, Fed USA Insurance and Financial Services and Express Tax.

    Certain matters described in this report are forward-looking statements an are subject to risk and uncertainties that could cause actual results to differ materially from those projected.