SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
                         PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934


                               September 30, 2002
- --------------------------------------------------------------------------------
                        (Date of earliest event reported)


                               WVS Financial Corp.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


Pennsylvania                            0-22444                    25-1710500
- --------------------------------------------------------------------------------
(State or other                  (Commission File Number)        (IRS Employer
jurisdiction of incorporation)                               Identification No.)


9001 Perry Highway, Pittsburgh, Pennsylvania                          15237
- --------------------------------------------------------------------------------
(Address of principal executive offices)                            (Zip Code)



                                 (412) 364-1913
- --------------------------------------------------------------------------------
              (Registrant's telephone number, including area code)



                                 Not Applicable
- --------------------------------------------------------------------------------
(Former  name,  former  address and former  fiscal year,  if changed  since last
report)


                               Page 1 of 5 Pages



Item 5. Other Events
        ------------

     On September 30, 2002, WVS Financial  Corp.  (the  "Registrant")  filed its
Annual  Report  on Form  10-K for the year  ended  June 30,  2002.  Included  as
Exhibits 99.1 and 99.2 to this report are  certifications of the Chief Executive
Officer and the Chief  Financial  Officer of the Registrant  pursuant to Section
906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. 1350).


Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
        ------------------------------------------------------------------

     (a)  Not applicable.

     (b)  Not applicable.

     (c)  The following exhibits are filed with this report:


       Exhibit Number               Description
       --------------               -----------

           99.1                     Certification of the Chief Executive Officer
                                    pursuant to Section 906 of the Sarbanes-
                                    Oxley Act of 2002 (18 U.S.C. 1350)

           99.2                     Certification of the Chief Financial Officer
                                    pursuant to Section 906 of the Sarbanes-
                                    Oxley Act of 2002 (18 U.S.C. 1350)


                                Page 2 of 5 Pages



                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                                                    WVS FINANCIAL CORP.


Dated:  October 3, 2002                             By:  /s/ David J. Bursic
                                                         -----------------------
                                                         David J. Bursic
                                                         President and
                                                         Chief Executive Officer


                                Page 3 of 5 Pages