INDEPENDENT AUDITORS' CONSENT


We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-51927  of HCB  Bancshares,  Inc. on Form S-8 of our report  dated August 16,
2000,  incorporated  by  reference  in the  Annual  Report  on Form  10-K of HCB
Bancshares, Inc. for the year ended June 30, 2000.


/s/ Deloitte & Touche LLP


Little Rock, Arkansas
September 26, 2000