PEOPLES-SIDNEY FINANCIAL CORPORATION


                                  EXHIBIT 99.1

                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Quarterly Report of Peoples-Sidney  Financial Corporation
(the  "Corporation")  on Form 10-QSB for the period ended  December 31, 2002, as
filed  with  the  Securities  and  Exchange  Commission  on  the  date  of  this
Certification  (the  "Report"),  I, Douglas  Stewart,  the  President  and Chief
Executive  Officer of the Corporation,  certify,  pursuant to 18 U.S.C.  Section
1350,  as adopted  pursuant  to Section 906 of the  Sarbanes-Oxley  Act of 2002,
that:

          1. The Report 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 results of operations
          of the Corporation.




                          /s/ Douglas Stewart
                          -----------------------
                          Douglas Stewart, President and Chief Executive Officer

                          Date: February 12, 2003