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,  2003 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.

A signed  original of this  written  statement  required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.



/s/ Donald A. Glas                             /s/ Richard H. Burgart
- ------------------                             ----------------------
Donald A. Glas                                 Richard H. Burgart
Chief Executive Officer                        Chief Financial Officer




January 26, 2004