EXHIBIT 32.1

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

     The undersigned Chief Executive Officer of First Keystone Financial, Inc.
(the "Registrant") hereby certify that the Registrant's Form 10-Q for the
quarter ended June 30, 2004 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/ Donald S. Guthrie
                                     -------------------------------------------
                                     Name: Donald S. Guthrie
                                     Title: Chairman and Chief Executive Officer

Date: August 13, 2004

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