EXHIBIT 99.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER

                  Pursuant to Section 906 of the Sarbanes-Oxley
                          Act of 2002 (18 U.S.C. 1350)

     The undersigned executive officer of ESB Financial Corporation (the
"Registrant") hereby certifies that the Registrant's Form 10-K for the twelve
months ended December 31, 2002 fully complies with the requirements of Section
13(a) of the Securities Exchange Act of 1934 and that the information contained
therein fairly presents, in all material respects, the financial condition and
results of operations of the Registrant.

                                             By: /s/ Charles P. Evanoski
                                                 -------------------------------
                                                 Charles P. Evanoski
                                                 Group Senior Vice President and
                                                 Chief Financial Officer

Date: March 26, 2003