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 PHSB  Financial  Corporation  (the
"Company") on Form 10-Q for the quarter ended  September 30, 2004 (the "Report")
as filed with the  Securities  and Exchange  Commission on the date hereof,  we,
James P. Wetzel,  Jr.,  President and Chief  Executive  Officer,  and Richard E.
Canonge,  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.



November 4, 2004


/s/James P. Wetzel, Jr.                             /s/Richard E. Canonge
- -------------------------------------               ----------------------------
James P. Wetzel, Jr.                                Richard E. Canonge
President and Chief Executive Officer               Chief Financial Officer