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



     In  connection  with the  Quarterly  Report on Form  10-QSB for the quarter
ended June 30, 2002 of Wells  Financial  Corp. (the "Company") as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), we, Lonnie
R. Trasamar, President and Chief Executive Officer, and James D. Moll, Treasurer
(Principal Accounting Officer),  hereby 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) 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/Lonnie R. Trasamar                            /s/James D. Moll
- -----------------------------------              --------------------------
Lonnie R. Trasamar                               James D. Moll
President and Chief Executive Officer            Treasurer


August 5, 2002