Exhibit 32

                               HMN FINANCIAL, INC.

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

In connection with the Quarterly Report of HMN Financial, Inc. (the "Company")
on Form 10-Q for the period ending March 31, 2006 as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Michael McNeil,
President of the Company, and I, Jon Eberle, Senior Vice President and CFO of
the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that:

     (1)  The Report fully complies with the requirements of section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     (2)  The information contained in the Report fairly presents, in all
          material respects, the financial condition and result of operations of
          the Company.



Date:   May 4, 2006                /s/ Michael McNeil
                                   Michael McNeil
                                   President/Chief Executive Officer
                                   (Principal Executive Officer)

                                   /s/ Jon Eberle
                                   Jon Eberle
                                   Senior Vice President/Chief Financial Officer
                                   (Principal Financial Officer)