Exhibit 31.1

                                CERTIFICATION
                                -------------

I, Robert M. Smith, certify that:

      1.    I have reviewed this Quarterly Report on Form 10-Q 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 registrant as of, and for, the
            periods presented in this report;

      4     The registrant's other certifying officer 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 registrant 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 registrant, 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 registrant'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 registrant's
                  internal control over financial reporting that occurred
                  during the registrant's most recent fiscal quarter that
                  has materially affected, or is reasonably likely to
                  materially affect, the registrant's internal control over
                  financial reporting; and

      5.    The small business issuer's other certifying officer 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 registrant'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 registrant'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: November 15, 2004                /s/  Robert M. Smith
                                       -------------------------------
                                       Robert M. Smith
                                       President
                                       [Principal Executive Officer]