EXHIBIT (a)(13)

                                  PRESS RELEASE



Wells Financial Corp.                      Contact:      Lonnie R. Trasamar
Wells Federal Bank                                       President and
53 First Street, S.W.                                    Chief Executive Officer
Wells, Minnesota 56097                                   (507) 553-3151
                                                         For Immediate Release
                                                         November 22, 2004

                              WELLS FINANCIAL CORP.
           ANNOUNCES EXTENSION OF MODIFIED DUTCH AUCTION TENDER OFFER



     WELLS, MINNESOTA, November 22, 2004 - Wells Financial Corp. (the "Company")
(Nasdaq  National  Market "WEFC")  President and Chief  Executive  Officer,  Mr.
Lonnie R. Trasamar, today announced that the Company has extended the expiration
date of its modified  Dutch auction issuer tender offer for up to 150,000 shares
of its common stock previously announced on September 28, 2004, until 5:00 p.m.,
New York City  time,  on  Friday,  December  3, 2004.  The  Company's  offer was
previously scheduled to expire at 5:00 p.m., New York City time, on November 19,
2004.  As of  November  17,  2004,  the latest  date for which  information  was
available,  approximately  164,000  shares of common stock had been tendered and
deposited in the offer. It is possible, however, that additional shares may have
been tendered or withdrawn  between November 17, 2004, and 5:00 p.m. on November
19, 2004, but such  information  was not available to the Company at the time of
this Release.  While the terms of the offer remain the same,  further extensions
to the offer expiration date may be necessary.

     Mr. Trasamar stated that the Company is extending the offer at this time so
that the Board of Directors can consider whether additional information relating
to the offer should be disseminated to the Company's stockholders.

     Persons with questions  regarding the offer and requests for  documentation
should be made to the Information Agent for the offer, D.F. King & Co., Inc., at
(800) 347-4750.

     NEITHER THE COMPANY NOR ITS BOARD OF DIRECTORS MAKES ANY  RECOMMENDATION TO
ANY  STOCKHOLDER AS TO WHETHER TO TENDER OR REFRAIN FROM TENDERING ANY OR ALL OF
SUCH STOCKHOLDER'S SHARES IN THE OFFER AND HAS NOT AUTHORIZED ANY PERSON TO MAKE
ANY SUCH RECOMMENDATION.

     Wells  Financial  Corp.  is the holding  company of Wells  Federal  Bank, a
federally chartered savings bank headquartered in Wells,  Minnesota.  The Bank's
deposits are  federally  insured by the Federal  Deposit  Insurance  Corporation
("FDIC").

     The foregoing material may contain forward-looking  statements.  We caution
that such  statements  may be  subject to a number of  uncertainties  and actual
results could differ materially and,  therefore,  readers should not place undue
reliance on any  forward-looking  statements.  Wells  Financial  Corp.  does not
undertake,  and specifically  disclaims,  any obligation to publicly release the
results of any revisions that may be made to any  forward-looking  statements to
reflect the occurrence of anticipated or  unanticipated  events or circumstances
after the date of such statements.