Exhibit 99.2

                         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, Stanley  Alexander,  Jr., Chief Financial 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/ Stanley Alexander Jr.
                                                     -------------------------
                                                     Stanley Alexander, Jr.
                                                     Chief Financial Officer

Date:  October 18, 2002