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  quarter  ended  December  31,  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




February 10, 2003