EXHIBIT 32

                CERTIFICATION PURSUANT TO 18. U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002




     The  undersigned   executive   officers  of  HCB   Bancshares,   Inc.  (the
"Registrant") hereby  certify that this Amendment No. 2 of Annual Report on Form
10-K/A for the year ended June 30, 2003 (the  "Report")  fully complies with the
requirements  of Section 13(a) or 15(d) of the Securities  Exchange Act of 1934,
and the  information  contained in the Report fairly  presents,  in all material
respects, the financial condition and results of operations of the Registrant.


                                By: /s/ Charles T. Black
                                    ---------------------------------------
                                    Name: Charles T. Black
                                    Title:President and Chief Executive Officer



                                By: /s/ Scott A. Swain
                                    ---------------------------------------
                                    Name: Scott A. Swain
                                    Title: Senior Vice President and
                                            Chief Financial Officer



Date:  November 24, 2003