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 Eureka  Financial  Corp,  Inc.
(the  "Company")  on Form  10-QSB  for the  quarter  ended  June 30,  2004  (the
"Report")  as filed with the  Securities  and  Exchange  Commission  on the date
hereof, we, Edward F. Seserko,  President and Chief Executive Officer,  and Gary
B. Pepper,  Executive  Vice  President  and Chief  Financial  Officer,  certify,
pursuant  to 18 U.S.C.  ss.1350,  as  adopted  pursuant  to  section  906 of the
Sarbanes-Oxley Act of 2002, that:

(1)  The Report fully  complies  with the  requirements  of Section 13(a) 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.



Date:  August 13, 2004




/s/Edward F. Seserko                                /s/Gary B. Pepper
- -------------------------------------               ----------------------------
Edward F. Seserko                                   Gary B. Pepper
President and Chief Executive Officer               Executive Vice President and
                                                      Chief Financial Officer