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  Quarterly  Report on Form 10-Q for the
quarter  ended  December  31,  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:  February 10, 2003