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 March 31, 2007 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:    May 15, 2007                       Date:    May 15, 2007