EXHIBIT 32.0

                           SECTION 1350 CERTIFICATIONS

I, Thomas F. Prisby, Chairman of the Board and Chief Executive Officer, and
Charles V. Cole, Executive Vice President and Chief Financial Officer, of CFS
Bancorp, Inc. (Company), 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 three
            months ended June 30, 2004 (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 9, 2004                     By: /s/ Thomas F. Prisby
                                             -----------------------------------
                                             Thomas F. Prisby
                                             Chairman of the Board and Chief
                                             Executive Officer

Date: August 9, 2004                     By: /s/ Charles V. Cole
                                             -----------------------------------
                                             Charles V. Cole
                                             Executive Vice President and Chief
                                             Financial Officer

A signed original of this written statement required by Section 906 of the
Sarbanes-Oxley Act has been provided to CFS Bancorp, Inc. and will be retained
by CFS Bancorp, Inc. and furnished to the Securities and Exchange Commission or
its staff upon request.

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