REGIONAL BANKSHARES, INC.

                                                                      Exhibit 32

                Certifications Pursuant to 18 U.S.C. Section 1350

         The  undersigned,  who is the  chief  executive  officer  and the chief
financial  officer of Regional  Bankshares,  Inc., hereby certifies that, to the
best of his knowledge, the accompanying Form 10-QSB of the issuer fully complies
with the requirements of Section 13(a)or 15(d) of the Securities Exchange Act of
1934,  and that  information  contained in the report  fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
issuer.



Date: August 12, 2004             /s/ CURTIS A. TYNER
                                  ----------------------------------------------
                                  Curtis A. Tyner
                                  Chief Executive Officer and Chief Financial
                                  Officer