<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>6
<FILENAME>exhibit21fm10k2002-1843.txt
<DESCRIPTION>EXHIBIT 21 TO 2002 FORM 10-K
<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>