EXHIBIT 99.1

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
   PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 (18 U.S.C. 1350)


        The undersigned Chairman of the Board and Chief Executive Officer of
First Keystone Financial, Inc. (the "Registrant") hereby certifies that the
Registrant's Form 10-K for the fiscal year ended September 30, 2002 fully
complies with the requirements of Section 13(a) of the Securities Exchange Act
of 1934 and that the information contained therein fairly presents, in all
material respects, the financial condition and results of operations of the
Registrant.

/s/ Donald S. Guthrie
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Name: Donald S. Guthrie
Title: Chairman of the Board and Chief Executive Officer

Date:  December 27, 2002