Exhibit 32


                            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 MSB Financial Corp. (the "Company")
on Form  10-Q  for the  quarter  ended  December  31,  2006 as  filed  with  the
Securities and Exchange  Commission on the date hereof (the "Report"),  we, Gary
T. Jolliffe,  President and Chief Executive Officer,  and Jeffrey E. Smith, Vice
President and Chief Financial Officer,  certify.  pursuant to 18 U.S.C.  Section
1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 that:

 (1) This report fully complies with the  requirements of Section 13(a) or 15(d)
of the Securities Exchange Act of 1934, as amended; 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/Gary T. Jolliffe                     /s/Jeffrey E. Smith
- -------------------------------------   ------------------------------------------
Gary T. Jolliffe                        Jeffrey E. Smith
President and Chief Executive Officer   Vice President and Chief Financial Officer

Date:  February 14, 2007                Date:  February 14, 2007