Exhibit 32

                               HMN FINANCIAL, INC.

                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 HMN Financial, Inc. (the "Company")
on Form 10-Q for the period ending June 30, 2004 as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Michael McNeil,
President of the Company, and Jon Eberle, Senior Vice President and CFO of the
Company, certify, pursuant to 18 U.S.C. Section 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)
               or 15(d) 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 result of
               operations of the Company.



Date:   August 10, 2004                             /s/ Michael McNeil
                                              ----------------------------------
                                              Michael McNeil,
                                              President/Chief Executive Officer
                                              (Principal Executive Officer)

                                                    /s/ Jon Eberle
                                              ---------------------------------
                                              Jon Eberle,
                                              Senior Vice President/Chief
                                              Financial Officer (Principal
                                              Financial Officer)