EXHIBIT 32.0

                          SECTION 1350 CERTIFICATIONS

I, Thomas F. Prisby, Chairman of the Board and Chief Executive Officer, and
Charles V. Cole, Executive Vice President and Chief Financial Officer, of CFS
Bancorp, Inc. (the "Company"), hereby certify, pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that:

     (1) The Annual Report on Form 10-K of the Company for the year ended
         December 31, 2003 (the "Report") fully complies with the requirements
         of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15
         U.S.C 78m(a) or 78o(d); and

     (2) The information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Company.

Date: March 10, 2004                      By:     /s/ THOMAS F. PRISBY
                                            ------------------------------------
                                                      Thomas F. Prisby
                                                 Chairman of the Board and
                                                  Chief Executive Officer

Date: March 10, 2004                      By:      /s/ CHARLES V. COLE
                                            ------------------------------------
                                                      Charles V. Cole
                                                Executive Vice President and
                                                  Chief Financial Officer

A signed original of this written statement required by Section 906 of the
Sarbanes-Oxley Act has been provided to CFS Bancorp, Inc. and will be retained
by CFS Bancorp, Inc. and furnished to the Securities and Exchange Commission or
its staff upon request.

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