Exhibit 32.2


            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 June 30, 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: August 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.