EXHIBIT 32.2

                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
   PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 (18 U.S.C. 1350)

         The undersigned President and Chief Financial Officer of First Keystone
Financial, Inc. (the "Registrant") hereby certifies that the Registrant's Form
10-K for the fiscal year ended September 30, 2003 fully complies with the
requirements of Section 13(a) of the Securities Exchange Act of 1934 and that
the information contained therein fairly presents, in all material respects, the
financial condition and results of operations of the Registrant.

/s/ Thomas M. Kelly
----------------------
Name:  Thomas M. Kelly
Title: President and Chief Financial Officer

Date:  December 23, 2003

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