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  September 30, 2004 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: November 15, 2004


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

                          Date: November 15, 2004

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