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 FSF Financial  Corp. (the "Company") on
Form 10-K for the year ended September 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




December 16, 2002