CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection  with the Quarterly  Report of FSF Financial Corp. (the "Company")
on Form 10-Q for the period  ending June 30,  2002 as filed with the  Securities
and Exchange  Commission on the date hereof (the "Report"),  we, Donald A. Glas,
Chief  Executive  Officer,  and Richard H.  Burgart,  Chief  Financial  Officer,
certify,  pursuant to 18 U.S.C.  ss. 1350, as adopted pursuant to ss. 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
Company.



/s/Donald A. Glas                               /s/Richard H. Burgart
- --------------------------------                --------------------------------
Donald A. Glas                                  Richard H. Burgart
Chief Executive Officer                         Chief Financial Officer




August 5, 2002