Exhibit 99.1


                            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 of Wells  Financial  Corp.(the
"Company") on Form 10-QSB for the period ending September 30, 2002 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 Financial and Accounting 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) 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
(Principal Executive Officer)              (Principal Financial and Accounting Officer)

Date: November 1, 2002                      Date: November 1, 2002