1



                                  Exhibit 32.1

      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 September 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
                                         -------------------------
                                         Leslie A. Barr
                                         Chief Executive Officer



                                         /s/ R. ALAN MILLER
                                         --------------------------
                                         R. Alan Miller
                                         Chief Financial Officer


Date:  November 13, 2003