EXHIBIT 32

                           SECTION 1350 CERTIFICATION


I, Henry Karbiner,  Jr., President,  Chief Executive Officer and Chief Financial
Officer  of  Tri  City  Bankshares  Corporation  (the  "Corporation"),  certify,
pursuant to Section 906 of the  Sarbanes-Oxley  Act of 2002,  18 U.S.C.  Section
1350, that to my knowledge:

          (1)  the  Corporation's  Annual Report on Form 10-K for the year ended
               December 31, 2003 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 29, 2004


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

This  certification  accompanies  this  Annual  Report on Form 10-K  pursuant to
Section 906 of the  Sarbanes-Oxley  Act of 2002 and shall not be deemed filed by
Tri City Bankshares  Corporation for purposes of the Securities  Exchange Act of
1934.