Exhibit 99.1

                         CERTIFICATION OF ANNUAL REPORT

     In  connection  with  the  accompanying  Annual  Report  of  HFB  Financial
Corporation  (the  "Company") on Form 10-K for the year ended June 30, 2002 (the
"Report"),  I, David B. Cook,  Chief Executive  Officer of the Company,  certify
pursuant to 18 U.S.C.  Section 1350,  as adopted  pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, to my knowledge, that:

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

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



                                                     /s/ David B. Cook
                                                     ---------------------------
                                                     David B. Cook
                                                     Chief Executive Officer

Date:  October 18, 2002