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 PFS Bancorp, Inc. (the
"Registrant") hereby certifies that the Registrant's Form 10-QSB for the three
months ended June 30, 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.

                                          /s/Stuart M. Suggs
                                          ---------------------------------
                                            Name: Stuart M . Suggs
                                            Title: Chief Financial Officer

Date: August 14, 2002