Exhibit 99.0

Certifications
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

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# CERTIFICATION PURSUANT
TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002

In
connection with the Quarterly Report of First Federal Bancshares, Inc. (the
Company) on Form 10-Q for the period ended March 31, 2003 as filed with the
Securities and Exchange Commission (the Report), I, James J. Stebor, President
and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. §1350, as
added by 906 of the Sarbanes-Oxley Act of 2002, 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) |  | To
my knowledge, the information contained in the Report fairly presents, in
                    all material respects, the financial condition and results of
operations of the                     Company as of and for the period covered by the
Report.
| | --- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | /s/ James J. Stebor                  
| | -------------------------------------
| | James J. Stebor                      
| | President and Chief Executive Officer

May 14, 2003

A signed original of this
written statement required by Section 906 has been provided to First Federal Bancshares,
Inc. and will be retained by First Federal Bancshares, Inc. and furnished to the
Securities and Exchange Commission or its staff upon request.

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# CERTIFICATION PURSUANT
TO 18 U.S.C. SECTION 1350, AS ADDED BY SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002

In
connection with the Quarterly Report of First Federal Bancshares, Inc. (the
Company) on Form 10-Q for the period ended March 31, 2003 as filed with the
Securities and Exchange Commission (the Report), I, Cathy D. Pendell,
Treasurer of the Company, certify, pursuant to 18 U.S.C. §1350, as added by 906 of
the Sarbanes-Oxley Act of 2002, 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) |  | To
my knowledge, the information contained in the Report fairly presents, in
                    all material respects, the financial condition and results of
operations of the                     Company as of and for the period covered by the
Report.
| | --- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | /s/ Cathy D. Pendell
| | --------------------
| | Cathy D. Pendell    
| | Treasurer           

May 14, 2003

A signed original of this
written statement required by Section 906 has been provided to First Federal Bancshares,
Inc. and will be retained by First Federal Bancshares, Inc. and furnished to the
Securities and Exchange Commission or its staff upon request.

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