**Exhibit 99.1**

 

ChiefExecutive Officer & Chief Financial Officer Certification

 

In connection with thefiling of the Quarterly Report on Form 10-Q for the quarter ended March 31,2003 (the “Report”) by Independent Bankshares, Inc. (“Registrant”), each of theundersigned hereby certifies that:

 

1.                    The Report fully complieswith the requirements of section 13(a) or 15(d) of the Securities Exchange Actof 1934, as amended, and

 

2.                    The information contained inthe Report fairly presents, in all material respects, the financial conditionand results of operations of Registrant.

 
|   | Date:                                                                                                                                                                                                                                                              | May 14, 2003 |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|
|   |                                                                                                                                                                                                                                                               |
|   | /s/ Tom C. Nichols                                                                                                                                                                                                                                                 |
|   |     Tom C. Nichols                                                                                                                                                                                                                                  |
|   |     Chairman, President & Chief Executive Officer                                                                                                                                                                                               |
|   |                                                                                                                                                                                                                                                               |
|   |  /s/ Don E. Cosby                                                                                                                                                                                                                                             |
|   |  Don E. Cosby                                                                                                                                                                                                                                                 |
|   |  Executive Vice President & Chief Financial Officer                                                                                                                                                                                                       |
|   |
|   | *A signed original of this written statement required by  Section 906 has been provided to Independent Bankshares, Inc. and will be  retained by Independent Bankshares, Inc. and furnished to the Securities and  Exchange Commission or its staff upon request.* |
|        |                                                                                                                                                                                                                                                                    |              |  |

 

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