EXHIBIT 99.3

                   SUBCERTIFICATION OF CHIEF OPERATING OFFICER
                      AND SECRETARY/TREASURER IN SUPPORT OF
                      18 U.S.C. SECTION 1350 CERTIFICATION,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly Report of Conn's, Inc. (the "Company") on
Form 10-Q for the period ended July 31, 2004 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), we, William C. Nylin,
Jr., President and Chief Operating Officer of the Company and David R. Atnip,
Senior Vice President and Secretary/Treasurer of the Company, hereby certify,
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that, to the best of our knowledge:

(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/ William C. Nylin, Jr.
                                           -------------------------------------
                                           William C. Nylin, Jr.
                                           President and Chief Operating Officer


                                           /s/ David R. Atnip
                                           -------------------------------------
                                           David R. Atnip
                                           Senior Vice President and
                                           Secretary/Treasurer




Dated: August 31, 2004


A signed original of this written statement has been provided to Conn's, Inc.
and will be retained by Conn's, Inc. The foregoing certification is being
furnished solely to support certifications pursuant to 18 U.S.C. Section 1350
and is not being filed as part of the Report or as a separate disclosure
document.




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