EXHIBIT 32

                         Statement furnished pursuant to
                             18 U.S.C. Section1350,
                             as adopted pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002

Phyllis A. Murphy, President and Chief Executive Officer and Stephen L. Mourlam,
Executive Vice President and Chief Financial Officer of Webster City Federal
Bancorp ("the Company") each certify in his or her capacity as an officer of the
Company that he or she has reviewed the quarterly report of the Company on Form
10-QSB for the quarter ended June 30, 2004 and that to the best of his or her
knowledge:

      (1)   the report fully complies with the requirements of Sections 13(a) 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 Company as of the dates and for the periods covered by the
            report.

The purpose of this statement is solely to comply with Title 18, Chapter 63,
Section 1350 of the United States Code, as amended by Section 906 of the
Sarbanes-Oxley Act of 2002. It is not intended that this statement be deemed to
be filed for purposes of the Securities Exchange Act of 1934.


August 12, 2004                        /s/ Phyllis A. Murphy
Date                                   ---------------------
                                           Phyllis A. Murphy
                                           President and Chief Executive Officer


August 12, 2004                        /s/ Stephen L. Mourlam
Date                                   ----------------------
                                           Stephen L. Mourlam
                                           Executive Vice President, Chief
                                           Financial Officer