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 (the  "report") of GFSB Bancorp,  Inc.
(the  "Company") on Form 10-QSB for the quarter ended December 31, 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  presents,  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




February 5, 2003