EXHIBIT 99








CERTIFICATION
-------------

     To my  knowledge,  this Annual  Report on Form 10-K for the year ended June
30, 2002,  fully complies with the requirements of Section 13(a) or 15(d) of the
Securities  Exchange Act of 1934, and the  information  contained in this Annual
Report fairly presents,  in all material respects,  the financial  condition and
results of operations of HCB Bancshares, Inc.


                                By: /s/ Cameron D. McKeel
                                    -----------------------------------
                                    Name: Cameron D. McKeel
                                    Title:Chief Executive Officer



                                By: /s/ Scott A. Swain
                                    -----------------------------------
                                    Name: Scott A. Swain
                                    Title:Chief Financial Officer



Date:  October 18, 2002