According to the 2001-2003 NFHS Basketball Officials Manual, the calling official should "verbally inform the player that he/she fouled by stating the shirt color and number" and then "indicate the nature of the foul by giving a preliminary signal" (pg. 35). At no time is the official instructed to verbalize the type of foul. (Although as Andy mentioned, an official may sometimes say "Block!" or "That way" to indicate his call on a bang-bang play immediately, instead of waiting to give the shirt color.)
Chuck
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Any NCAA rules and interpretations in this post are relevant for men's games only!
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