EXHIBIT 99.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

I, Thomas F. Prisby, Chairman and Chief Executive Officer of CFS Bancorp, Inc.
(the "Company"), hereby certify, pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, 18 U.S.C. Section 1350, that:

     (1)  The Annual Report on Form 10-K of the Company for the quarterly period
          ended December 31, 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:  March 31, 2003                 By:  /s/ Thomas F. Prisby
                                      -------------------------------------
                                      Thomas F. Prisby, Chairman and
                                        Chief Executive Officer





                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

I, John T. Stephens, Executive Vice President and Chief Financial Officer of CFS
Bancorp, Inc. (the "Company"), hereby certify, pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that:

     (1)  The Annual Report on Form 10-K of the Company for the quarterly period
          ended December 31, 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:  March 31, 2003                 By:  /s/ John T. Stephens
                                      ------------------------------------------
                                      John T. Stephens, Executive Vice President
                                        and Chief Financial Officer