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 October 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:  December 3, 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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