PACIFIC SECURITY FINANCIAL, INC.
                                                                    EXHIBIT 99.1
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                               18 U.S.C. ss. 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report of Pacific Security Financial, Inc. (the
Company) on Form 10-Q for the quarter ended January 31, 2003, as filed with the
Securities and Exchange Commission on the date hereof (the Report), we, David L.
Guthrie, President and Donald J. Migliuri, Treasurer, certify, pursuant to 18
U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of
2002, that:

     (1) The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

     (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.


President                                          Treasurer
/s/ David L. Guthrie                               /s/ Donald J. Migliuri
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March 14, 2003