PEOPLES-SIDNEY FINANCIAL CORPORATION
                                INDEX TO EXHIBITS
                                  EXHIBIT 32.2


                            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 September 30, 2003, as
furnished with the Securities and Exchange Commission on the date of this
Certification (the "Report"), I, Debra A. Geuy, the Chief Financial Officer and
Treasurer of the Corporation, certify, 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/ Debra A. Geuy
                           -----------------
                           Debra A. Geuy, Chief Financial Officer and Treasurer

                           Date:  November 14, 2003


A signed original of this written statement required by Section 906 has been
provided to the Corporation and will be retained by the Corporation and
furnished to the Security and Exchange Commission or its staff upon request.
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