EXHIBIT 32

                CERTIFICATION PURSUANT TO 18. U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002




     The  undersigned   executive   officers  of  HCB   Bancshares,   Inc.  (the
"Registrant") hereby certify that this Annual Report on Form 10-K/A for the year
ended June 30, 2003 (the  "Report")  fully  complies  with the  requirements  of
Section  13(a)  or  15(d)  of the  Securities  Exchange  Act of  1934,  and  the
information  contained in the Report fairly presents,  in all material respects,
the financial condition and results of operations of the Registrant.


                                By: /s/ Charles T. Black
                                    ---------------------------------------
                                    Name: Charles T. Black
                                    Title:President and Chief Executive Officer



                                By: /s/ Scott A. Swain
                                    ---------------------------------------
                                    Name: Scott A. Swain
                                    Title: Senior Vice President and
                                            Chief Financial Officer



Date:  October 16, 2003