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, 2004 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, Vice
                                           President and Corporate Treasurer

Date:  August 11, 2004



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.