POWER OF ATTORNEY



Know all these presents, that the undersigned hereby constitutes and

appoints Carol Walsh, signing singly, the

undersigneds true and lawful attorney-in fact to:



(1) execute for and on behalf of the undersigned, in the undersigneds capacity

as an officer and/or director of First Keystone Financial Inc (the Company)

Forms 3, 4 and 5 in accordance with Section 16(a) of the Securities Exchange

Act of 1934, and the rules thereunder;



(2) do and perform any and all acts for and on behalf of the undersigned which

may be necessary or desirable to complete and execute any such Form 3, 4 or 5,

complete and execute any amendment or amendments thereto, and timely file such

form with the United States Securities and Exchange Commission and any

stock exchange or similar authority; and



(3) take any other action of any type whatsoever in connection with the

foregoing which, in the opinion of such attorney-in-fact, may be of benefit to,

in the best interest of, or legally required by, the undersigned, it being

understood that the documents executed by such attorney-in-fact on behalf of

the undersigned pursuant to this Power of Attorney shall be in such form and

shall contain such terms and conditions as such attorney-in-fact may approve in

such attorney-in-facts discretion.



The undersigned hereby grants to each such attorney-in-fact full power and

authority to do and perform any and every act and thing whatsoever requisite,

necessary, or proper to be done in the exercise of any of the rights and powers

herein granted, as fully to all intents and purposes as the undersigned might

or could do if personally present, with full power of substitution or

revocation, hereby ratifying and confirming all that such attorney-in-fact, or

such attorney-in-facts substitute or substitutes, shall lawfully do or cause

to be done by virtue of this power of attorney and the rights and powers herein

granted.  The undersigned acknowledges that the foregoing attorneys-in-fact,

in serving in such capacity at the request of the undersigned, are not

assuming, nor is the Company assuming, any of the undersigneds

responsibilities to comply with Section 16 of the Securities Exchange Act of

1934.



This Power of Attorney shall remain in full force and effect until the

undersigned is not longer required to file Forms 3, 4 and 5 with respect to

the undersigneds holdings of and transactions in securities issued by the

Company, unless earlier revoked by the undersigned in a signed writing

delivered to the foregoing attorneys-in fact.



IN WITNESS WHEREOF, the undersigned has caused this Power of Attorney to be

executed as of the 29th day of August, 2002.



Signature: /s/Jerry A. Naessens



Print Name: Jerry A. Naessens