Simmons First National (SFNC) 10-Q2003 Q1 Quarterly report

Filed: 12 May 03, 12:00am

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New words: accelerated, accessed, accessing, accrual, activation, activity, Additionally, addressing, adequacy, administered, aforementioned, allocationsof, alter, alternative, alternatively, ample, anticipate, anticipated, APB, ApplicableFormer, approach, area, assigned, bankcard, behavior, brokered, buyback, buyer, call, categorized, charter, chosen, compensate, compensation, component, conclusion, constantly, critical, CrowBarry, degree, delinquent, depreciation, depth, direct, discretionary, distributed, doubtful, downgrading, downstream, drove, dynamic, evident, exposure, extra, factored, Failure, family, FIN, Finally, floating, fluctuated, forefront, foreign, foreseeable, forward, framework, fraud, frequency, gain, Gap, gathering, greatest, grouped, guarantor, hand, Home, imprecision, inception, incremental, incumbent, incurred, indeterminate, individual, integral, intent, intermediate, Interpretation, issuance, Key, laddered, liability, life, local, low, magnitude, Main, mandatory, manner, match, maximize, MayJ, meaningful, measure, measurement, methodology, mix, modified, necessity, network, Northwest, notification, obligation, occupied, offered, orderly, owner, percentage, philosophy, precisely, predict, prioritized, project, prompt, prudent, qualitative, quantifiable, quantitative, realistic, receipt, reconciliation, regulation, relevant, reliable, reliance, rely, remained, remaining, removed, renew, replace, restated, retail, retroactive, revenue, rotating, safeguard, secondary, sensitivity, settled, show, side, simulated, simulation, spilt, split, statutory, steadily, steady, Street, substandard, substitute, sufficient, supplemented, supplying, tap, task, term, tied, timeframe, Typical, unallocated, unamortized, unassigned, uncertain, undertaken, unexpected, unfunded, unpaid, upstream, usage, valuation, viable, view, vital, watch, work

Removed: acquisition, attributable, base, Circuit, Court, element, exceed, FDIC, FHLB, FTE, Furniture, Government, incorporation, intangible, jurisdiction, law, manufacturer, October, organization, Postage, Professional, Rock, standby, tangible, Telephone, Treasury, unrealized, usury, utilize

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Exhibit 99.2

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

In connection with the Quarterly Report of Simmons First National Corporation (the “Company’), on Form 10-Q for the period ending March 31, 2003 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), and pursuant to 18 U.S.C. Section 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, Barry L. Crow, Chief Financial Officer of the Company, hereby certifies that:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Barry L. Crow
Barry L. Crow
Chief Financial Officer
May 9, 2003