EXHIBIT 99.1

CERTIFICATION OF FORM 10-Q

We, Thomas F. Prisby, Chairman and Chief Executive Officer and John T. Stephens,
Executive Vice President and Chief Financial Officer of CFS Bancorp, Inc.,
hereby certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18
U.S.C. Section 1350, that:

(1)           The Quarterly Report on Form 10-Q of the Company for the quarterly
              period ended June 30, 2002 (the "Report") fully complies with the
              requirements of Section 13(a) or 15(d) of the Securities Exchange
              Act of 1934 (15 U.S.C. 78m (a) or 78o(d)) and

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


Date:  August 14, 2002              By:     /s/
                                    --------------------------------------------
                                            Thomas F. Prisby, Chairman and
                                               Chief Executive Officer

Date:  August 14, 2002              By:     /s/
                                    --------------------------------------------
                                            John T. Stephens, Executive
                                                  Vice President and
                                               Chief Financial Officer