EXHIBIT 23.2





INDEPENDENT AUDITORS' CONSENT



We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-51927 of HCB Bancshares,  Inc. on Form S-8 of our report dated September 21,
2001, on our audits of the consolidated  statement of financial condition of HCB
Bancshares,  Inc. as of June 30, 2001 and the related consolidated statements of
income and  comprehensive  income,  stockholders'  equity and cash flows for the
years  ended June 30, 2001 and 2000,  incorporated  by  reference  in the Annual
Report on Form 10-K of HCB Bancshares, Inc. for the year ended June 30, 2002.



/s/ Deloitte & Touche

Little Rock, Arkansas
September 18, 2002