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
period ended March 31, 2003 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: May 14, 2003



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