EXHIBIT 99.1


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


         In connection with the Quarterly Report on Form 10-QSB for the period
ended June 30, 2002 (the "Report") of Pinnacle Bancshares, Inc. (the "Company"),
as filed with the Securities and Exchange Commission on the date hereof, the
undersigned, Chief Executive Officer and Chief Financial Officer of the Company,
hereby certifies that to the best of my knowledge:

         (1)      the Report fully complies with the requirements of section
                  13(a) or 15(d) of the Securities Exchange Act of 1934, as
                  amended; and

         (2)      the information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Company as of and for the periods covered in
                  the Report.



/s/ Robert B. Nolen, Jr.
- -----------------------------------------------------
Robert B. Nolen, Jr, Chief Executive Officer and
   Chief Financial Officer


August 14, 2002
- -----------------------------------------------------
(Date)


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