DARLINGTON COUNTY BANCSHARES, INC.

                                  EXHIBIT 32.2

       CERTIFICATE OF THE CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002


Charles  A. Hardin, the Vice President of Darlington County Bank (Performing the
Functions of Principal Financial Officer of Darlington County Bancshares, Inc.),
hereby  certifies  that  to  the  best  of  his  knowledge:

     1.   This  Quarterly  Report  on Form 10-QSB of the Company for the quarter
          ended  September  30,  2004  (the  "Report")  fully  complies with the
          requirements  of  section  13(a)  or  15(d),  as  applicable,  of  the
          Securities  Exchange  Act  of  1934  (15  U.S.C.  78m  or 78o(d)); and

     2.   The  information  contained  in  this  Report  fairly presents, in all
          material  respects,  the financial condition and results of operations
          of  the  Company  at  the  dates  and  for  the  periods  indicated.



Date: November 12, 2004                   /s/CHARLES A. HARDIN
                                          --------------------------------------
                                          Charles A. Hardin
                                          Vice President, Darlington County Bank
                                          (Performing the Functions of Principal
                                          Financial Officer
                                          of Darlington County Bancshares, Inc.)


The foregoing certification is being furnished solely pursuant to 18 U.S.C. Sec.
1350,  is  not  being  filed  as  part of the Report or as a separate disclosure
document,  and  may  not  be  relied  upon  by  anyone  for  any  other purpose.

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