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  Quarterly Report on Form 10-Q for the quarter ended June
     30, 2004 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:  August 11, 2004
           ------------------------



                                /s/Henry Karbiner, Jr.
                                -----------------------------------------------
                                   Henry Karbiner, Jr.
                                   President, Chief Executive Officer and
                                   Treasurer (principal executive and financial
                                   officer)



A signed  original of this  written  statement  required by section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange  Commission upon request.  This statement  "accompanies"
the  periodic  report to which it relates  and shall not be deemed as "filed" as
part of the report or otherwise for purposes of the  Securities  Exchange Act of
1934.