Exhibit 99.2

                            Certification Pursuant to
                             18 U.S.C. Section 1350,
                                   as added by
                  Section 906 of the Sarbanes-Oxley Act of 2002

       In connection with the annual Report of Pulaski Financial Corp. (the
"Company") on Form /10-K for the period ended September 30, 2002, as filed with
the Securities and Exchange Commission (the "Report"), I,Ramsey K. Hamadi, Chief
Financial Officer of the Company, certify, pursuant to 18 U.S.C. (S) 1350, as
added by (S) 906 of the Sarbanes-Oxley Act of 2002, that:

1.     The Report fully complies with the requirement of Section 13(a) or 15(d)
       of the Securities Exchange Act of 1934; and

2.     To my knowledge, the information contained in the Report fairly presents,
       in all material respects, the financial condition and results of
       operations of the Company as of and for the period covered by the Report.

Date: December 27, 2002
                                                  /s/ Ramsey K. Hamadi
                                                  ------------------------------
                                                  Name:  Ramsey K. Hamadi
                                                  Title: Chief Financial Officer