CERTIFICATION PURSUANT TO
                               18 U.S.C. ss.1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



     In  connection  with the  Quarterly  Report  of Wells  Financial  Corp.(the
"Company") on Form 10-QSB for the period ended  September 30, 2004 as filed with
the Securities and Exchange  Commission on the date hereof (the  "Report"),  we,
Lonnie R. Trasamar,  President and Chief Executive  Officer,  and James D. Moll,
Treasurer (Principal Financial and Accounting 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) 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/ Lonnie R. Trasamar                    /s/ James D. Moll
- --------------------------------------    -------------------------------------
Lonnie R. Trasamar                        James D. Moll
President and Chief Executive Officer     Treasurer
(Principal Executive Officer)             (Principal Financial and Accounting
                                          Officer)

Date:    November 5, 2004                 Date:    November 5, 2004