High Country Financial Corporation
                                  EXHIBIT (32)

                   Certification of Periodic Financial Report
                           Pursuant to 18 U.S.C. 1350

      Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, each of the undersigned officers of High Country
Financial Corporation (the "Company") certifies that the Quarterly Report on
Form 10-QSB of the Company for the quarter ended June 30, 2003 fully complies
with the requirements of Section 13(a) or 15(d), as applicable, of the
Securities Exchange Act of 1934, and information contained in that Form 10-QSB
fairly presents, in all material respects, the financial condition and results
of operations of the Company.


Date: August 11, 2003                        /s/ John M. Brubaker
                                             -------------------------------
                                             John M. Brubaker
                                             President and CEO


Date: August 11, 2003                        /s/ David H. Harman
                                             -------------------------------
                                             David H. Harman
                                             Chief Financial Officer

*This certification is made solely for the purpose of 18 U.S.C. Section 1350,
subject to the knowledge standard contained therein, and not for any other
purpose.