PEOPLES-SIDNEY FINANCIAL CORPORATION
                                   EXHIBIT 32

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

In connection with then Quarterly Report of Peoples-Sidney Financial Corporation
(the "Corporation") on Form 10-QSB for the period ended December 31, 2003 as
furnished 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, and, 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 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 results of operations
            of the Corporation.


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

                        Date: February 17, 2004


                        /s/ Debra A. Geuy
                        -------------------
                        Debra A. Geuy, Chief Financial Officer and Treasurer

                        Date: February 17, 2004

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