Exhibit 32.2


                            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 period ending  December 31, 2003 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

March 19, 2004


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