Exhibit 32.1


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

      In connection with the Quarterly Report of ASB Financial Corp. (the
"Company") on Form 10-QSB for the period ending September 30, 2003 as filed
with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Robert M. Smith, the President of the Company, certify,
pursuant to 18 U.S.C. [SECTION] 1350, as adopted pursuant to [SECTION] 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)   The information contained in the Report fairly presents, in all
material respects, the financial condition and result of operations of the
Company.




/s/Robert M. Smith
- ----------------------------------
Robert M. Smith
President and Chief Executive Officer
November 14, 2003

A signed original of this written statement required by Section 906 has been
provided to ASB Financial Corp. and will be retained by ASB Financial Corp.
and furnished to the Securities and Exchange Commission or its staff upon
request.