Exhibit 32


                    STATEMENT OF CHIEF EXECUTIVE OFFICER AND
             CHIEF FINANCIAL OFFICER PURSUANT TO 18 U.S.C. ss. 1350

         In  connection  with the  Quarterly  Report on Form 10-Q for the period
ended  March 31,  2003  (the  "Form  10-Q") of  Grayson  Bankshares,  Inc.  (the
"Company"),  we, Jacky K. Anderson,  Chief Executive Officer of the Company, and
Blake M.  Edwards,  Chief  Financial  Officer  of the  Company,  hereby  certify
pursuant  to 18 U.S.C.  ss.  1350,  as adopted  pursuant  to Section  906 of the
Sarbanes-Oxley Act of 2002, that, to our knowledge:

         (a)      the Form 10-Q fully complies  with the requirements of Section
13(a) of the Securities Exchange Act of 1934, as amended; and

         (b)      the information contained in the Form 10-Q fairly presents, in
all material respects,  the financial condition and results of operations of the
Company as of and for the periods presented in the Form 10-Q.



         Date:    August 13, 2003    By:  /s/ Jacky K. Anderson
              --------------------      ----------------------------------------
                                          Jacky K. Anderson
                                          President and Chief Executive Officer



         Date:    August 13, 2003    By:  /s/ Blake M. Edwards
              --------------------      ----------------------------------------
                                          Blake M. Edwards
                                          Chief Financial Officer




         A signed original of this written statement required by Section 906 has
been  provided  to Grayson  Bankshares,  Inc.  and will be  retained  by Grayson
Bankshares,  Inc. and furnished to the Securities and Exchange Commission or its
staff upon request.