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 Annual Report of QCR Holdings,  Inc. (the  "Company") on
Form 10-K for the fiscal year ending June 30, 2002 as filed with the  Securities
and Exchange  Commission on the date hereof (the  "Report"),  I, Todd A. Gipple,
Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350,
as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, 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 result of operations of the Company.



/s/ Todd A. Gipple
- --------------------------------
Todd A. Gipple
Chief Financial Officer
August 28, 2002


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