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 March 31, 2004 (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:  May 12, 2004