<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>4
<FILENAME>ex21fm10k2001-1843.txt
<TEXT>
                                   EXHIBIT 21


                                  SUBSIDIARIES

<TABLE>
<CAPTION>
                                                        STATE OR OTHER           PERCENTAGE
PARENT                                        JURISDICTION OF INCORPORATION      OWNERSHIP
------                                        -----------------------------      ----------
<S>                                                       <C>                      <C>
HCB Bancshares, Inc.                                      Oklahoma


Subsidiaries (1)
----------------

HEARTLAND Community Bank                                 United States               100%

Subsidiary of HEARTLAND Community Bank
--------------------------------------

HCB Properties, Inc.                                       Arkansas                  100%
<FN>
---------
(1)      The assets, liabilities and operations of the subsidiaries are included
         in the Consolidated Financial Statements contained in Item 8 hereof.
</FN>
</TABLE>

</TEXT>
</DOCUMENT>