Exhibit 99.1

                                    STATEMENT


     Pursuant to ss.906 of the  Sarbanes-Oxley  Act of 2002, 18 U.S.C.  ss.1350,
the undersigned officer of Tri City Bankshares  Corporation (the "Corporation"),
hereby certifies that:

    (1)  the  Corporation's  Annual  Report  on Form  10-K  for the  year  ended
         December  31, 2002 fully  complies  with the  requirements  of  Section
         13(a) or 15(d), as applicable, 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 Corporation.


Dated: March 12, 2003



                                                         /s/ Henry Karbiner, Jr.
                                                         -----------------------
                                                         Henry Karbiner, Jr.
                                                         President/CEO/CFO