EXHIBIT 32.1
                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             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 October 31, 2004 as filed with the  Securities
and Exchange Commission on the date hereof (the "REPORT"),  we, Thomas J. Frank,
Sr.,  Chairman  of the Board and Chief  Executive  Officer of the Company and C.
William  Frank,  Executive  Vice  President and Chief  Financial  Officer 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/ THOMAS J. FRANK SR.
                              ----------------------------------
                              Thomas J. Frank, Sr.
                              Chairman of the Board and
                              Chief Executive Officer


                              /S/ C. WILLIAM FRANK
                              ----------------------------------
                              C. William Frank
                              Executive Vice President and
                              Chief Financial Officer





Dated:  December 3, 2004


A signed  original of this  written  statement  required by Section 906 has been
provided to Conn's,  Inc. and will be retained by Conn's,  Inc. and furnished to
the Securities and Exchange Commission or its staff upon request.  The foregoing
certification is being furnished  solely 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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