High Country Financial Corporation
                                                                      Exhibit 32


                   Certification of Periodic Financial Report
                       Pursuant to 18 U.S.C. Section 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  September  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: November 13, 2003                    /s/ John M. Brubaker
      -----------------                     ------------------------------------
                                           John M. Brubaker
                                           President and Chief Executive Officer


Date: November 13, 2003                    /s/ David H. Harman
      -----------------                    -------------------------------------
                                           David H. Harman
                                           Senior Vice President and CFO



*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.



                                                                              28