Exhibit 99.2

                    Certification of Chief Financial Officer



                            Certification Pursuant to
                             18 U.S.C. Section 1350,
                                   as added by

                  Section 906 of the Sarbanes-Oxley Act of 2002

     In connection with the quarterly report of Pulaski Financial Corp. (the
"Company") on Form 10-Q/A for the period ended December 31, 2002, as filed with
the Securities and Exchange Commission (the "Report"), I, Ramsey K. Hamadi,
Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. (S) 1350,
as added by (S) 906 of the Sarbanes-Oxley Act of 2002, that:

1.   The Report fully complies with the requirement of Section 13(a) or 15(d) of
     the Securities Exchange Act of 1934; and

2.   To my knowledge, the information contained in the Report fairly presents,
     in all material respects, the financial condition and results of operations
     of the Company as of and for the period covered by the Report.

Date:  February 14, 2003

                                                   /s/ Ramsey K. Hamadi
                                                   --------------------
                                                   Name: Ramsey K. Hamadi
                                                   Title: Chief Financial Office