Exhibit 99.2

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

In connection with the Quarterly Report on Form 10-Q of First Midwest Financial,
Inc. (the "Company") for the quarterly period ending March 31, 2003 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, Donald J. Winchell, Chief Financial Officer of the Company, certify, pursuant
to section 906 of the Sarbanes-Oxley Act of 2002, that:

      (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.

By: /s/ Donald J. Winchell
    ----------------------
Name: Donald J. Winchell
Chief Financial Officer
May 15, 2003

A signed original of this written statement required by Section 906 has been
provided to First Midwest Financial, Inc. and will be retained by First Midwest
Financial, Inc. and furnished to the Securities and Exchange Commission or its
staff upon request.


                                       27