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Exhibit 99.5 Statement of Chief Executive Officer and Financial Officer
Pursuant to 18 U.S.C.ss.1350
The undersigned, as the Chief Executive Officer and Chief Financial
Officer, respectively, of Highlands Bankshares Inc., certify that the Quarterly
Report on Form 10-Q for the period ended June 30, 2003, which accompanies this
certification fully complies with the requirements of Section 13(a) or 15(d), as
applicable, of the Securities Exchange Act of 1934 and the information contained
in the periodic report fairly presents, in all material respects, the financial
condition and results of operations of Highlands Bankshares Inc. at the dates
and for the periods indicated. The foregoing certification is made pursuant to
ss. 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. ss. 1350) and no purchaser
or seller of securities or any other person shall be entitled to rely upon the
foregoing certification for any purpose. The undersigned expressly disclaim any
obligation to update the foregoing certification except as required by law.
/s/ LESLIE A. BARR
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Leslie A. Barr
Chief Executive Officer
/s/ R. ALAN MILLER
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R. Alan Miller
Finance Officer
Date: August 13, 2003
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A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906 has been provided to Highlands Bankshares, Inc. and will
be retained by Highlands Bankshares, Inc. and furnished to the Securities and
Exchange Commission or its staff upon request.