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 March 31, 2004 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 to the best of my knowledge:

      (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
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Robert M. Smith
President and Chief Executive Officer
May 17, 2004