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 Annual Report of GFSB Bancorp,  Inc. (the  "Company") on
Form  10-QSB  for the  quarter  ended  September  30,  2002 as  filed  with  the
Securities  and  Exchange  Commission  on the date  hereof (the  "Report"),  we,
Richard C. Kauzlaric,  President, and Jerry R. Spurlin, 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  pre1ents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company.




/s/Richard C. Kauzlaric                 /s/Jerry R. Spurlin
- --------------------------------        ----------------------------------------
Richard C. Kauzlaric                    Jerry R. Spurlin
President                               Chief Financial Officer




November 13, 2002