Exhibit 31.2

                          CERTIFICATION

I, Charles V. Cole, Executive Vice President and Chief Financial
Officer certify that:

1.   I have reviewed this Amendment No. 1 to the Annual Report on
     Form 10-K of CFS Bancorp, Inc. (the "Registrant");

2.   Based on my knowledge, this report does not contain any
     untrue statement of a material fact or omit to state a
     material fact necessary to make the statements made, in
     light of the circumstances under which such statements were
     made, not misleading with respect to the period covered by
     this report;

3.   Based on my knowledge, the financial statements, and other
     financial information included in this report, fairly
     present in all material respects the financial condition,
     results of operations and cash flows of the Registrant as
     of, and for, the periods presented in this report;

4.   The Registrant's other certifying officer(s) and I are
     responsible for establishing and maintaining disclosure
     controls and procedures (as defined in Exchange Act Rules
     13a-15(e) and 15d-15(e)) and internal control over financial
     reporting (as defined in Exchange Act Rules 13a-15(f) and
     15d-15(f)) for the Registrant and have:

     (a)  Designed such disclosure controls and procedures, or caused
          such disclosure controls and procedures to be designed under our
          supervision, to ensure that material information relating to the
          Registrant, including its consolidated subsidiaries, is made
          known to us by others within those entities, particularly during
          the period in which this report is being prepared;

     (b)  Designed such internal control over financial
          reporting, or caused such internal control over
          financial reporting to be designed under our
          supervision, to provide reasonable assurance regarding
          the reliability of financial reporting and the
          preparation of financial statements for external
          purposes in accordance with generally accepted
          accounting principles;

     (c)  Evaluated the effectiveness of the Registrant's
          disclosure controls and procedures and presented in
          this report our conclusions about the effectiveness of
          the disclosure controls and procedures, as of the end
          of the period covered by this report based on such
          evaluation; and

     (d)  Disclosed in this report any change in the Registrant's
          internal control over financial reporting that occurred
          during the Registrant's most recent fiscal quarter (the
          Registrant's fourth fiscal quarter in the case of an
          annual report) that has materially affected, or is
          reasonably likely to materially affect, the
          Registrant's internal control over financial reporting;
          and

5.   The Registrant's other certifying officer(s) and I have
     disclosed, based on our most recent evaluation of internal
     control over financial reporting, to the Registrant's
     auditors and the audit committee of Registrant's board of
     directors (or persons performing the equivalent functions):

     (a)  All significant deficiencies and material weaknesses in the
          design or operation of internal control over financial reporting
          which are reasonably likely to adversely affect the Registrant's
          ability to record, process, summarize and report financial
          information; and

     (b)  Any fraud, whether or not material, that involves management
          or other employees who have a significant role in the
          Registrant's internal control over financial reporting.


Date: April 22, 2005               /s/ Charles V. Cole
                                   -------------------------------
                                   Charles V. Cole
                                   Executive Vice President and
                                   Chief Financial Officer