Exhibit 31.2

                                CERTIFICATION

I, Michael L. Gampp, certify that:

      1.    I have reviewed this Quarterly Report on Form 10-QSB of ASB
            Financial Corp.;

      2.    Based on my knowledge, this report does not contain any untrue
            statement of a material fact or omit to state a material fact
            necessary to make the statements made, in light of the
            circumstances under which such statements were made, not
            misleading with respect to the period covered by this report;

      3.    Based on my knowledge, the financial statements, and other
            financial information included in this report, fairly present in
            all material respects the financial condition, results of
            operations and cash flows of the small business issuer as of,
            and for, the periods presented in this report;

      4.    The small business issuer's other certifying officer(s) and I
            are responsible for establishing and maintaining disclosure
            controls and procedures (as defined in Exchange Act Rules 13a-
            15(e) and 15d-15(e)) for the small business issuer and have:

                  (a)   Designed such disclosure controls and procedures, or
                        caused such disclosure controls and procedures to be
                        designed under our supervision, to ensure that
                        material information relating to the small business
                        issuer, including its consolidated subsidiaries, is
                        made known to us by others within those entities,
                        particularly during the period in which this report
                        is being prepared;

                  (b)   Evaluated the effectiveness of the small business
                        issuer's disclosure controls and procedures and
                        presented in this report our conclusions about the
                        effectiveness of the disclosure controls and
                        procedures, as of the end of the period covered by
                        this report based on such evaluation; and

                  (c)   Disclosed in this report any change in the small
                        business issuer's internal control over financial
                        reporting that occurred during the small business
                        issuer's most recent fiscal quarter (the small
                        business issuer's fourth fiscal quarter in the case
                        of an annual report) that has materially affected,
                        or is reasonably likely to materially affect, the
                        small business issuer's internal control over
                        financial reporting; and

       5.    The small business issuer's other certifying officer(s) and I
             have disclosed, based on our most recent evaluation of internal
             control over financial reporting, to the small business
             issuer's auditors and the audit committee of the small business
             issuer's board of directors (or persons performing the
             equivalent functions):

                  (a)   All significant deficiencies and material weaknesses
                        in the design or operation of internal control over
                        financial reporting which are reasonably likely to
                        adversely affect the small business issuer's ability
                        to record, process, summarize and report financial
                        information; and

                  (b)   Any fraud, whether or not material, that involves
                        management or other employees who have a significant
                        role in the small business issuer's internal control
                        over financial reporting.


Date:  February 17, 2004               /s/ Michael L. Gampp
       ----------------------------        --------------------------------
                                           Michael L. Gampp
                                           Chief Financial Officer