Exhibit 31.2

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

I, Michael L. Gampp, 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 registrant's other certifying officer and I have disclosed,
            based on our most recent evaluation of internal control over
            financial reporting, to the registrant'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 registrant's internal control over financial
                  reporting.

Date: February 14, 2005                /s/ Michael L. Gampp
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                                       Michael L. Gampp
                                       Chief Financial Officer