Exhibit 99


                         P R E S S   R E L E A S E


RELEASE DATE:                               CONTACT:
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June 22, 2005                               Frank D. Martz
                                            Group Senior Vice President
                                            of Operations and Secretary
                                            (724) 758-5584



           ESB FINANCIAL CORPORATION ANNOUNCES CASH DIVIDEND
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     ESB Financial Corporation announced today that its Board of Directors at
its meeting on June 21, 2005 declared a quarterly cash dividend of $.10 on the
Common Stock of ESB Financial Corporation payable on July 25, 2005 to the
stockholders of record at the close of business on June 30, 2005.

     In announcing the scheduled cash dividend, Charlotte A. Zuschlag,
President and Chief Executive Officer, noted the Company's results of
operations for the three months ended March 31, 2005.  The Company recognized
net income for the three month period ended March 31, 2005 of $2.8 million or
$.24 per diluted share.  This announcement reflects the Company's policy of
declaring a regular quarterly cash dividend.  This quarterly cash dividend
equates to an annual cash dividend of $.40 per share.

     ESB Financial Corporation is the parent Holding Company of ESB Bank, and
offers a wide variety of financial products and services through 23 offices
in the contiguous counties of Allegheny, Lawrence, Beaver and Butler in
Pennsylvania.  The common stock of the Company is traded on the Nasdaq Stock
Market under the symbol "ESBF".


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