EXHIBIT 99.5

                                  CERTIFICATION


         I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT
FEDERALLY  INSURED,  AND IS NOT  GUARANTEED  BY  MONTGOMERY  SAVINGS,  A FEDERAL
ASSOCIATION, OR BY THE FEDERAL GOVERNMENT.

         If  anyone   asserts  that  this  security  is  federally   insured  or
guaranteed,  or is as safe as an insured  deposit,  I should  call the Office of
Thrift  Supervision,  Central  Regional  Director,  Ronald  N.  Karr,  at  (312)
917-5000.

         I further  certify that,  before  purchasing the common stock par value
$0.01 of Montgomery  Financial  Corporation,  the proposed  holding  company for
Montgomery  Savings,  A Federal  Association (the  "Association"),  I received a
prospectus dated ___________, 1997 (the "Prospectus").

         The  Prospectus  that I received  contains  disclosure  concerning  the
nature of the security  being offered and  describes  the risks  involved in the
investment,  including,  but not limited to: the Association's  vulnerability to
changes in interest rates;  competition,  geographical  concentration  of loans;
certain  anti-takeover  provisions;  voting  power of  directors  and  executive
officers; low return on equity; ESOP compensation expense; absence of market for
common stock; proposed federal legislation; possible dilutive effect of issuance
of  additional  shares;  risk of delay;  and the  possible  adverse  income  tax
consequences of the distribution of subscription rights .

         For a more detailed  description of the risks involved in the offering,
see "Risk Factors" at pages __ through __ of the Prospectus.

         In addition, the certificate of incorporation of the Company requires a
vote of 80% of stockholders  to remove  directors,  to approve certain  business
combinations  or to amend the certificate of  incorporation,  which may have the
effect of discouraging a future takeover attempt of the Company.  For additional
information, see pages ___ through ___ of the Prospectus.



NOTE:  If the stock is to be held            Signature: ________________________
       jointly, both parties must sign.

                                             Signature: ________________________



                                                  Date: ________________________