EXHIBIT 32.2

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


Henry M. Funderburk, the Executive Vice President and Chief Financial Officer of
the Company], 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,  2003 (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 10, 2003

                                      /s/ Henry M. Funderburk
                                      ----------------------------------------
                                      Henry M. Funderburk
                                      Executive Vice President and
                                      Chief Financial Officer


The foregoing  certification is being furnished solely pursuant to 18 U.S.C. ss.
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.