UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 10-QSB

(Mark One)

          [|X|] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                  For the quarterly period ended June 30, 2003
                                                 -------------

            [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                                THE EXCHANGE ACT

                 For the transition period from ______ to ______


                        Commission file number: 000-50234


                             Eureka Financial Corp.
--------------------------------------------------------------------------------
        (Exact Name of Small Business Issuer as Specified in Its Charter)


           United States                                          75-3098403
--------------------------------                             -------------------
(State or Other Jurisdiction of                                 (IRS Employer
Incorporation or Organization)                               Identification No.)


       3455 Forbes Avenue at McKee Place, Pittsburgh, Pennsylvania 15213
--------------------------------------------------------------------------------
                    (Address of Principal Executive Offices)


Issuer's Telephone Number, Including Area Code:                   (412) 681-8400
                                                                  --------------

Check  whether the issuer (1) filed all reports  required to be filed by Section
13 or 15(d) of the  Exchange  Act during the past 12 months (or for such shorter
period that the registrant was required to file such reports),  and (2) has been
subject to such filing requirements for the past 90 days.

              Yes         X             No
                     ------------          ------------

As of August 4, 2003, there were issued and outstanding 1,226,538 shares of the
registrant's Common Stock.

Transitional Small Business Disclosure Format (check one):   Yes        No   X
                                                                 -----     -----

<PAGE>


                             EUREKA FINANCIAL CORP.
                                      INDEX


                                                                           PAGE
                                                                          NUMBER
                                                                          ------
PART 1 - FINANCIAL INFORMATION

  Item 1.          Financial Statements

                   Consolidated Balance Sheet as of June 30, 2003
                   (Unaudited), and September 30, 2002                     3

                   Consolidated Statements of Income (Unaudited) for
                   the Three and Nine Months ended June 30, 2003
                   and 2002                                                4

                   Consolidated Statements of Cash Flows (Unaudited)
                   for the Nine Months ended June 30, 2003 and 2002        5

                   Notes to Consolidated Financial Statement (Unaudited)   6-7

  Item 2.          Management's Discussion and Analysis of Financial
                   Condition and Results of Operations                     8-11

  Item 3.          Controls and Procedures                                 12

PART II - OTHER INFORMATION

  Item 1.          Legal Proceedings                                       13

  Item 2.          Changes in Securities and Use of Proceeds               13

  Item 3.          Defaults Upon Senior Securities                         13

  Item 4.          Submission of Matters to a Vote of Security Holders     13

  Item 5.          Other Information                                       13

  Item 6.          Exhibits and Reports on Form 8-K                        13

Signatures

                                       2
<PAGE>
CONSOLIDATED BALANCE SHEET
EUREKA FINANCIAL CORP.
<TABLE>
<CAPTION>
                                                                          JUNE 30,            SEPTEMBER 30,
                                                                            2003                  2002
                                                                         -----------          -------------
ASSETS                                                                   (UNAUDITED)
<S>                                                                         <C>                  <C>
  Cash and due from banks                                                $   439,042          $   720,601
  Interest-bearing deposits in banks                                      12,138,295            7,927,834
  Securities available-for-sale                                            9,390,150            8,454,099
  Securities held-to-maturity
    (Market values of $5,750,156 and
    $5,541,372 respectively)                                               5,379,590            5,144,112
  Mortgage-backed securities, available-for-sale                           1,653,392            2,583,390
  Federal Home Loan Bank stock, at cost                                      313,200              382,900
  Loans receivable, net                                                   50,238,017           52,142,231
  Premises and equipment, net                                              1,151,753            1,207,622
  Other assets                                                               769,036              703,166
                                                                         -----------          -----------

  TOTAL ASSETS                                                           $81,472,475          $79,265,955
                                                                         ===========          ===========


LIABILITIES AND STOCKHOLDERS' EQUITY

  Liabilities
    Deposit accounts
      Non-interest bearing                                               $ 1,731,195          $ 1,466,297
      Interest bearing                                                    57,592,645           55,942,741
                                                                         -----------          -----------
        Total deposit accounts                                            59,323,840           57,409,038

    Advances from borrowers for taxes & insurance                            348,798              297,678
    Other liabilities                                                      1,172,635            1,256,555
    FHLB advances                                                          1,000,000            1,000,000
    Guarantee of employee stock ownership plan (ESOP) debt                    56,745              161,802
                                                                         -----------          -----------
        Total liabilities                                                 61,902,018           60,125,073

  Stockholders' Equity
    Common Stock ($0.10 par value)
       4,000,000 shares authorized, 1,377,810 shares issued,
       1,240,983 and 1,239,318 shares outstanding as of June 30,
       2003 and September 30, 2002, respectively.                            137,781              137,781
    Additional paid-in-capital                                             6,192,573            6,037,703
    Retained earnings-substantially rstricted                             13,112,126           12,891,928
    Unearned employee stock ownership plan
       (ESOP) shares                                                         (56,745)            (161,802)
    Unearned compensation-restricted stock plan                              (78,796)            (107,294)
    Accumulated other comprehensive income net of
       applicable income taxes of $803,042 and
       $851,378, respectively.                                             1,558,847            1,652,676
    Treasury stock (136,827 and 138,492 shares at cost)                   (1,295,329)
                                                                                               (1,310,110)
                                                                         -----------          -----------
        Total stockholders' equity                                        19,570,457           19,140,882

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                               $81,472,475          $79,265,955
                                                                         ===========          ============
</TABLE>

                                       3
<PAGE>
CONSOLIDATED STATEMENTS OF INCOME
EUREKA FINANCIAL CORP.
<TABLE>
<CAPTION>
                                                        THREE MONTHS ENDED JUNE 30,            NINE MONTHS ENDED JUNE 30,
                                                               (UNAUDITED)                            (UNAUDITED)
                                                         2003                2002               2003                2002
                                                        -------            -------             ------              ------
<S>                                                       <C>              <C>                  <C>              <C>
Interest Income
    Loans                                               $  890,469       $  947,159             $2,742,268       $2,875,253
    Investment securities                                  219,319          182,534                663,307          551,332
    Mortgage-backed securities                              30,018           49,137                103,528          164,398
                                                        ----------       ----------             ----------       ----------

    Total interest income                                1,139,806        1,178,830              3,509,103        3,590,983

Interest Expense
    Deposits                                               393,090          443,030              1,216,322        1,428,226
    FHLB advances                                           14,054           14,054                 42,163           42,163
    Other                                                    1,004            2,295                  4,465            9,096
                                                        ----------       ----------             ----------       ----------
    Total interest expense                                 408,148          459,379              1,262,950        1,479,485
                                                        ----------       ----------             ----------       ----------
Net Interest Income                                        731,658          719,451              2,246,153        2,111,498

Provision for Loan Losses                                        0           14,000                      0           45,000
                                                        ----------       ----------             ----------       ----------
Net Interest Income after
  Provision for Loan Losses                                731,658          705,451              2,246,153        2,066,498

Other Income                                                25,591           22,850                 80,189           70,936

Other Expenses
  Salaries and benefits                                    293,291          233,426                832,750          669,118
  Occupancy expense                                         57,085           52,296                158,747          148,772
  Computer expense                                          27,484           27,610                 81,026           70,597
  Legal and accounting                                      33,102           26,136                121,205           90,693
  ESOP Contribution                                         73,569           28,496                155,789          125,541
  Other                                                     69,556           87,265                221,114          227,304
                                                        ----------       ----------             ----------       ----------
  Total other expenses                                     554,087          455,229              1,570,631        1,332,025
                                                        ----------       ----------             ----------       ----------
Income Before Income Taxes                                 203,162          273,072                755,711          805,409

Provision for Income Taxes                                  31,474           57,053                145,301          182,929
                                                        ----------       ----------             ----------       ----------
Net Income                                              $  171,688       $  216,019             $  610,410       $  622,480
                                                        ==========       ==========             ==========       ==========

Basic Earnings Per Share                                $     0.14       $     0.18             $     0.50       $     0.51
                                                        ==========       ==========             ==========       ==========
Diluted Earnings Per Share                              $     0.13       $     0.17             $     0.48       $     0.49
                                                        ==========       ==========             ==========       ==========
</TABLE>
                                       4
<PAGE>
CONSOLIDATED STATEMENTS OF CASH FLOWS
EUREKA FINANCIAL CORP.
<TABLE>
<CAPTION>
                                                                        NINE MONTHS ENDED JUNE 30,
                                                                                (UNAUDITED)
                                                                          2003                 2002
                                                                       ---------             --------
<S>                                                                    <C>                   <C>
CASH FLOWS FROM OPERATING ACTIVITIES
Net income                                                         $    610,410           $   622,480
Adjustments to reconcile net cash from operating activities:
    Unearned ESOP shares                                                259,927               123,272
    Compensation expense related to RSOP                                 28,498                66,954
    Depreciation                                                         74,797                78,405
    Provision for loan loss                                                   0                45,000
    Net accretion/amortization of discounts and premiums on
     mortgage-backed and investment securities                          (51,427)              (29,990)
    Unamortized loan fees and costs                                     (34,864)              (38,412)
Increase/(decrease) in cash due to changes
 in assets and liabilities:
    Other assets                                                        (65,870)             (180,528)
    Other liabilities                                                   (35,584)              144,864
                                                                   ------------           -----------
  Net Cash from Operating Activities                                    785,887               832,045

CASH FLOWS FROM INVESTING ACTIVITIES
  Proceeds from maturities and redemption of securities
   held-to-maturity                                                   1,015,000             2,245,000
  Net proceeds from (purchase of) FHLB stock                             69,700               (69,600)
  Purchase of securities held-to-maturity                            (1,250,000)           (1,000,000)
  Purchase of securities available-for-sale                            (990,000)                    0
  Net loans repaid by (made to) customers                               411,144            (4,915,775)
  Net commercial leases repaid (originated)                           1,527,936              (915,287)
  Net paydowns in mortgage-backed securities                            892,729               851,449
  Premises and equipment expenditures                                   (18,928)              (22,851)
                                                                   ------------           -----------
  Net Cash Used by Investing Activities                               1,657,581            (3,827,064)

CASH FLOWS FROM FINANCING ACTIVITIES
  Net increase (decrease) in deposit accounts                         1,914,802             2,728,110
  Net increase (decrease) in advances from borrowers for
   taxes and insurance                                                   51,120                38,069
  Repayment of ESOP loan                                              (105,057)               (79,877)
  Reissuance of treasury stock                                           14,781                     0
  Payment of dividends                                                (390,212)              (304,974)
                                                                   ------------           -----------
  Net Cash from Financing Activities                                  1,485,434             2,381,328
                                                                   ------------           -----------
Net Change in Cash and Cash Equivalents                               3,928,902              (613,691)

Cash and Cash Equivalents at Beginning of Period                      8,648,435             7,111,653
                                                                   ------------           -----------
CASH AND CASH EQUIVALENTS AT END OF PERIOD                         $ 12,577,337           $ 6,497,962
                                                                   ============           ===========

SUPPLEMENTAL CASH FLOW DISCLOSURE
 Cash paid during the period for:
      Interest on deposits and borrowings                          $  1,279,073           $ 1,502,828
                                                                   ============           ===========
      Income taxes                                                 $    188,967           $   121,275
                                                                   ============           ===========
</TABLE>
                                       5
<PAGE>

                             EUREKA FINANCIAL CORP.
              NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

NOTE A -  BASIS OF PRESENTATION

The accompanying unaudited financial statements have been prepared in accordance
with the instructions to Form 10-QSB and, therefore,  do not necessarily include
all  information  that would be included in audited  financial  statements.  The
information  furnished  reflects  all  adjustments  which are, in the opinion of
management,  necessary for a fair presentation of the results of operations. All
such adjustments are of a normal recurring nature. The results of operations for
the three and nine months ended June 30, 2003, are not necessarily indicative of
the results to be expected  for the year ended  September  30, 2003 or any other
interim period.  The interim financial  statements and the following  discussion
should  be read in  conjunction  with the  financial  statements  and  footnotes
thereto  included in Eureka Bank's (the "Bank") Annual Report on Form 10-KSB for
the fiscal year ended September 30, 2002.

Prior  period   accounts  were   reclassified   to  conform  to  current  period
classifications.

NOTE B - COMPREHENSIVE INCOME

For the three months ended June 30, 2003 and 2002,  comprehensive income totaled
$113,456  and   $251,349,   respectively.   For  the  nine  months  then  ended,
comprehensive income totaled $516,581 and $589,039, respectively.

NOTE C -AVAILABLE FOR SALE SECURITIES

The securities available for sale consisted of the following:
<TABLE>
<CAPTION>
                                          June 30, 2003
                                          -------------

                                          Gross          Gross
                       Amortized        Unrealized     Unrealized       Market
                         Cost             Gains         Losses           Value
                       ---------        ----------     ----------       --------
<S>                    <C>                <C>           <C>            <C>

FHLMC preferred
 Stock                 $7,087,627        $  206,623       $(43,750)    $7,250,500

FHLMC voting
 common Stock              41,266         2,098,384            --       2,139,650
                       ----------        ----------       ---------    ----------
  Totals:              $7,128,893        $2,305,007       $(43,750)    $9,390,150
                       ==========        ==========       ========     ==========
</TABLE>

                                       6
<PAGE>
The mortgage-backed securities available for sale consisted of the following:
<TABLE>
<CAPTION>
                                          June 30, 2003
                                          -------------

                                         Gross          Gross
                     Amortized        Unrealized     Unrealized       Market
                       Cost             Gains          Losses         Value
                     ---------        ----------     ----------     -----------
<S>                 <C>                 <C>            <C>          <C>
GNMA certificates   $    3,104          $    124       $ --         $    3,228

FHLMC certificates     265,668            23,077         --            288,745

FNMA certificates    1,283,989            77,430         --          1,361,419
                    ----------          --------       -----        ----------
 Totals:            $1,552,761          $100,631       $ --         $1,653,392
                    ==========          ========       =====        ==========
</TABLE>


NOTE D - EARNINGS PER SHARE

Earnings per share are  computed by dividing net income by the weighted  average
number of common  shares and common  stock  equivalents  outstanding  during the
period. Weighted average shares outstanding for the three and nine month periods
ended June 30, 2003 were  1,231,636  and  1,227,311,  respectively,  and for the
three and nine month periods ended June 30, 2002 were  1,220,213 and  1,217,503,
respectively.  For the periods ended June 30, 2003 and 2002,  such shares do not
include 5,675 and 17,833 shares, respectively, of Company Common Stock purchased
and held by Eureka  Bank's  employee  stock  ownership  plan  ("ESOP") that were
unallocated  during  those  periods  in  accordance  with  SOP  93-6  "Employers
Accounting  for  Employee  Stock  Ownership  Plans" and SFAS 128  "Earnings  Per
Share".


                                       7
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS OF  FINANCIAL  CONDITION  AND RESULTS OF
OPERATIONS

GENERAL

     The Private  Securities  Litigation Reform Act of 1995 contains safe harbor
provisions regarding forward-looking  statements.  When used in this discussion,
the words  "believes",  "anticipates",  "contemplates",  "expects",  and similar
expressions are intended to identify forward-looking statements. Such statements
are subject to certain risks and uncertainties  which could cause actual results
to differ materially from those projected. Those risks and uncertainties include
changes in interest  rates,  risks  associated with the ability to control costs
and expenses,  and general economic  conditions.  Eureka  Financial  Corporation
undertakes  no  obligation  to publicly  release the results of any revisions to
those  forward-looking  statements  which  may be  made  to  reflect  events  or
circumstances   after  the  date  hereof  or  to  reflect  the   occurrence   of
unanticipated events.

     Eureka  Financial  Corp.  (the  "Company") is in the mutual holding ("MHC")
form of  organization.  The Company has outstanding  1,240,983  shares of common
stock,  of which 510,744 are owned by public  stockholders  and the remainder of
which  are  held by the  mutual  holding  company.  The  Company's  business  is
conducted  primarily  through  its  wholly-owned  subsidiary,  Eureka Bank ("the
Bank").  All references to the Company refer collectively to the Company and the
Bank.

CHANGES IN FINANCIAL CONDITION

     At June 30, 2003, the Company's assets increased  $2,206,000 to $81,472,000
from  $79,266,000  at  September  30, 2002.  At June 30, 2003,  interest-bearing
deposits in banks increased by $4,210,000 from the comparable  classification at
September 30, 2002.  Also, at June 30, 2003,  cash and due from banks  decreased
$282,000, mortgage-backed securities decreased by $930,000, FHLB stock decreased
$70,000 and loans  receivable,  net decreased  $1,904,000,  from the  comparable
classifications  at September 30, 2002.  These  decreases at June 30, 2003, were
partially  offset by an increase of $236,000 in securities  held to maturity and
an increase of $936,000 in  securities  available-for-sale  since  September 30,
2002,  as cash in  banks  and loan  payments  were  used to fund the  investment
portfolio growth.

     At June 30, 2003, the Company's total  liabilities  increased by a total of
$1,777,000 from September 30, 2002. This increase was primarily  attributed to a
$1,915,000  growth in deposit  accounts which was partially offset by a $105,000
decrease in the ESOP debt.

     At June 30, 2003,  stockholders'  equity increased  $429,000 to $19,570,000
from $19,141,000 at September 30, 2002. The increase was primarily  reflected by
an  increase  of  $220,000  in  retained  earnings,  an  increase of $155,000 in
additional  paid in capital  and a decrease of  $105,000  in the  unearned  ESOP
shares.  There was also a decrease of $94,000 in accumulated other comprehensive
income  resulting from the fluctuation in market value of the Bank's  investment
in available for sale  securities  and  mortgage-backed  securities.  Because of
interest  rate   volatility,   accumulated   other   comprehensive   income  and
stockholders'  equity could  materially  fluctuate  for each interim  period and
year-end period. See Note C to the consolidated  financial statements.  Although
the  increase  in net income  increased  retained  earnings  by  $172,000,  this
increase was offset by dividends paid to stockholders in the amount of $89,000.

                                       8
<PAGE>
RESULTS OF OPERATIONS

NET INCOME.  Net income  decreased  $44,000 to $172,000 for the three months and
$12,000 to $610,000 for the nine months ended June 30, 2003,  from  $216,000 and
$622,000,  respectively,  for the comparable  2002 periods.  The decrease in net
income  for the three and nine  month  periods  was  primarily  attributable  to
increases in other expenses  partially  offset by decreases in the provision for
loan losses and decreases in interest expense over the comparable three and nine
month periods.

NET INTEREST INCOME.  Net interest income increased  $13,000 to $732,000 for the
three months and $135,000 to $2,246,000 for the nine months ended June 30, 2003,
from $719,000 and  $2,111,000,  respectively,  for the comparable  2002 periods.
Higher net interest  income was primarily  due to decreases in interest  expense
over the comparable 2002 periods.

INTEREST INCOME.  Total interest income decreased  $39,000 to $1,140,000 for the
three months and $82,000 to  $3,509,000  for the nine months ended June 30, 2003
as compared to $1,179,000 and $3,591,000,  respectively, for the comparable 2002
periods.  The decline in total interest income was primarily due to a decline in
the average yield on interest-earning  assets even though the average balance on
interest-earning assets increased. See "Average Balance Sheets" on page 10.

INTEREST  EXPENSE.  Total interest expense decreased $51,000 to $408,000 for the
three months and $216,000 to $1,263,000 for the nine months ended June 30, 2003,
from $459,000 and $1,479,000, respectively, for the comparable 2002 periods. The
decrease in total interest  expense was primarily  related to a reduction in the
average  cost of funds  despite an increase in the average  balance on deposits.
See "Average Balance Sheets" on page 10.

PROVISION  FOR LOAN LOSSES.  The  provision for loan losses for the three months
and nine months ended June 30,  2003,  was $0 and $0  respectively,  compared to
$14,000 and $45,000,  respectively,  for the comparable 2002 periods. Management
regularly  performs an analysis to identify  the  inherent  risks of loss in its
loan portfolio.  This analysis includes evaluations of concentrations of credit,
past loss experience, current economic conditions, amount and composition of the
loan portfolio  (including  loans being  specifically  monitored by management),
estimated fair value of underlying  collateral,  loan  commitments  outstanding,
delinquencies and other information available at such time. However, there is no
assurance that further additions will not be made to the allowance and that such
losses will not exceed the estimated amounts.

OTHER EXPENSE.  Total non-interest  expense increased by $99,000 to $554,000 for
the three months and $239,000 to  $1,571,000  for the nine months ended June 30,
2003,  from  $455,000 and  $1,332,000,  respectively,  for the  comparable  2002
periods.  ESOP  contribution  expense increased $46,000 to $74,000 for the three
months and $30,000 to $156,000  for the nine months  ended June 30,  2003,  from
$28,000 and $126,000,  respectively,  for the comparable  2002 periods due to an
accelerated  repayment  plan as well as a  higher  market  value  of the  stock.
Salaries  and benefits  increased  $60,000 for the three months and $164,000 for
the nine months ended June 30, 2003,  due to  contributions  to the pension plan
and  expenses  related  to  normal  salary  increases  and  increased   expenses
associated with benefit plans. Legal and accounting expenses increased $7,000 to
$33,000 for the three  months and $30,000 to $121,000  for the nine months ended
June 30, 2003, from $26,000 and $91,000 for the comparable  2002 periods.  These
increases can be attributed  primarily to the costs associated with the mid-tier
holding company reorganization.

                                       9
<PAGE>
EUREKA FINANCIAL CORP.
AVERAGE BALANCE SHEETS
JUNE 30, 2003 AND 2002
<TABLE>
<CAPTION>
                                                                         For the Three Months Ended June 30,
                                                              ------------------------------------------------------------
                                   At June 30, 2003                     2003                            2002
                                 ---------------------        ---------------------------   ------------------------------
                                               Actual                             Average                         Average
                                 Actual        Yield/         Average              Yield/   Average                Yield/
                                Balance        Cost           Balance   Interest   Cost     Balance    Interest    Cost
                                -------       ------          -------   --------  -------   -------    --------   -------
                                                                                   (Dollars in thousands)
<S>                             <C>            <C>            <C>       <C>        <C>      <C>         <C>        <C>
Interest-earning assets:
Loans receivable                $50,238        6.71%          $51,508   $  890     6.91%    $53,225     $  947     7.12%
Investments securities           28,874        3.54%           27,168      250     3.68%     21,246        232     4.37%
                                -------                       -------   ------              -------     ------
     Total interest-earning
       assets                    79,112        5.55%           78,676    1,140     5.80%     74,471      1,179     6.33%
Non-interest earning assets       2,360                         2,063   ------                2,178     ------
                                -------                       -------                       -------
        Total Assets            $81,472                       $80,739                       $76,649
                                =======                       =======                       =======
Interest-bearing liabilities:
  Interest-bearing deposits:
     NOW accounts               $ 3,726        1.51%          $ 4,091       15     1.47%    $ 5,306         19     1.43%
     Passbook and club accts     19,353        2.02%           19,244       96     2.00%     17,657        100     2.27%
     IRA accounts                 2,539        4.33%            2,532       27     4.27%      2,117         29     5.48%
     Certificates of deposit     31,975        3.29%           30,897      255     3.30%     29,469        296     4.02%
     Other liabilities            1,057        5.45%            1,083       15     5.54%      1,187         16     5.39%
                                -------                       -------   ------              -------     ------
        Total interest-bearing
           liab.                 58,650        2.84%           57,847      408     2.82%     55,736        460     3.30%
Non-interest-bearing              3,252                         3,428   ------                1,962     ------
  liabilities                   -------                       -------                       -------
        Total Liabilities        61,902                        61,275                        57,698
Retained earnings                19,570                        19,464                        18,951
                                -------                       -------                       -------
        Total Liabilities and
           Retained Earnings    $81,472                       $80,739                       $76,649
                                =======                       =======                       =======
Net interest income                                                     $  732                          $  719
                                                                        ======                          ======
Interest rate spread                                                               2.97%                           3.03%
                                                                                 ======                          ======
Net yield on interest-
 earning assets                                                                    3.72%                           3.86%
                                                                                 ======                          ======
Ratio of average interest-
 earning assets to average
 interest-bearing liabilities                                                    136.01%                         133.61%
                                                                                 ======                          ======
<CAPTION>
                                                 For the Nine Months Ended June 30,
                                      -----------------------------------------------------------
                                                  2003                        2002
                                      -----------------------------  ----------------------------
                                                            Average                      Average
                                      Average               Yield/   Average              Yield/
                                      Balance    Interest   Cost     Balance   Interest    Cost
                                      -------    --------            -------   --------  --------
<S>                                   <C>         <C>        <C>     <C>        <C>       <C>
Interest-earning assets:
Loans receivable                      $52,103     $2,742     7.02%   $52,197    $2,875    7.34%
Investments securities                 25,451        767     4.02%    21,827       716    4.37%
                                      -------     ------             -------    ------
     Total interest-earning
       assets                          77,554      3,509     6.03%    74,024     3,591    6.47%
Non-interest earning assets             2,099     ------               2,124    ------
                                      -------                        -------
        Total Assets                  $79,653                        $76,148
                                      =======                        =======
Interest-bearing liabilities:
  Interest-bearing deposits:
     NOW accounts                     $ 4,394         49     1.49%   $ 5,005        54    1.44%
     Passbook and club accts           18,544        281     2.02%    17,356       304    2.34%
     IRA accounts                       2,433         84     4.60%     2,032        83    5.45%
     Certificates of deposit           30,171        802     3.54%    29,784       988    4.42%
     Other liabilities                  1,126         47     5.57%     1,213        51    5.61%
                                      -------     ------             -------    ------
        Total interest-bearing
           liab.                       56,668      1,263     2.97%    55,390     1,480    3.56%
Non-interest-bearing                    3,626     ------               1,936    ------
  liabilities                         -------                        -------
        Total Liabilities              60,294                         57,326
Retained earnings                      19,359                         18,822
                                      -------                        -------
        Total Liabilities and
           Retained Earnings          $79,653                        $76,148
                                      =======                        =======
Net interest income                              $2,246                         $2,111
                                                 ======                         ======
Interest rate spread                                         3.06%                        2.91%
                                                           ======                       ======
Net yield on interest-
 earning assets                                              5.79%                        3.80%
                                                           ======                       ======
Ratio of average interest-
 earning assets to average
 interest-bearing liabilities                              136.86%                      133.64%
                                                           ======                       ======
</TABLE>

                                       10
<PAGE>
EUREKA FINANCIAL CORP.
RATE VOLUME
JUNE 30, 2003 AND 2002
<TABLE>
<CAPTION>
                                                    Three-month period ended June 30,
                                                             2003 vs 2002
                                                          Increase (Decrease)
                                                               Due to
                                                 Volume    Rate    Rate/Volume   Total
                                                 ------    ----    -----------   -----
                                                                (In thousands)
<S>                                              <C>       <C>           <C>     <C>
Interest Income:
Loans receivable                                 $  (31)   $ (27)    $   1       $(57)
Investment securities                                65      (37)      (10)        18
                                                 ------------------------------------
     Total interest-earning assets                   34      (64)       (9)       (39)
                                                 ------------------------------------

Interest Expense:
NOW accounts                                         (4)       0         0         (4)
Passbook & club accounts                              9      (12)       (1)        (4)
Money market accounts                                 5       (6)       (1)        (2)
Certificates of deposit                              14      (52)       (3)       (41)
Other liabilities                                    (1)       0         0         (1)
                                                 ------------------------------------
     Total interest-bearing liabilities              23      (70)       (5)       (52)
                                                 ------------------------------------

Net change in interest income                    $   11    $   6        (4)      $ 13
                                                 ====================================

<CAPTION>
                                                    Nine-month period ended June 30,
                                                            2003 vs 2002
                                                         Increase (Decrease)
                                                              Due to
                                                Volume      Rate      Rate/Volume  Total
                                                ------      ----      -----------  -----
                                                                  (In thousands)
<S>                                              <C>       <C>        <C>          <C>
Interest Income:
Loans receivable                                $  (5)     $(126)      $ (2)       $(133)
Investment securities                             119        (58)       (10)          51
                                                ----------------------------------------
     Total interest-earning assets                114       (184)       (12)         (82)
                                                ----------------------------------------

Interest Expense:
NOW accounts                                       (7)         2          0           (5)
Passbook & club accounts                           21        (42)        (2)         (23)
Money market accounts                              17        (13)        (3)           1
Certificates of deposit                            13       (196)        (3)        (186)
Other liabilities                                  (4)         0          0           (4)
                                                ----------------------------------------
     Total interest-bearing liabilities            40       (249)        (8)        (217)
                                                ----------------------------------------

Net change in interest income                   $  74      $  65       $ (4)       $ 135
                                                ========================================

</TABLE>

                                       11
<PAGE>

THE COMPANY EXCEEDED ALL OF ITS CAPITAL REQUIREMENTS AT JUNE 30, 2003.

THE COMPANY HAD THE  FOLLOWING CAPITAL RATIOS AT JUNE 30, 2003:
<TABLE>
<CAPTION>
                                                                           FOR CAPITAL                CATEGORIZED AS
                                               ACTUAL                   ADEQUACY PURPOSES            "WELLCAPITALIZED"
                                               ------                   -----------------            -----------------
                                        AMOUNT          RATIO          AMOUNT         RATIO         AMOUNT       RATIO
                                        ---------------------          --------------------         ------------------
<S>                                     <C>             <C>            <C>            <C>          <C>           <C>
AS OF JUNE 30, 2003:
Total Capital
   (To risk weighted
     assets)                            $19,485         40.96%         $3,806         8.00%        $4,757        10.00%
Tier I Capital
   (To risk weighted
     assets)                            $17,983         37.80%         $1,903         4.00%        $2,854         6.00%

Tier I Capital
  (To total assets)                     $17,983         22.77%         $2,370         3.00%        $3,949         5.00%

Tangible Capital
   (To total assets)                    $17,983         22.77%         $1,185         1.50%        $3,949         5.00%
</TABLE>


CONTROLS AND PROCEDURES

(a) Evaluation of disclosure controls and procedures.  Based on their evaluation
    ------------------------------------------------
as of a date within 90 days of the filing date of this quarterly  report on Form
10-QSB,  the Registrant's  principal  executive officer and principal  financial
officer have concluded that the Registrant's  disclosure controls and procedures
(as defined in Rules 13a-14(c) and 15d-14(c)  under the Securities  Exchange Act
of 1934 (the Exchange Act)) are effective to ensure that information required to
be  disclosed  by the  Company  in reports  that it files or  submits  under the
Exchange Act is recorded,  processed,  summarized  and reported  within the time
periods specified in Securities and Exchange Commission rules and forms.

(b)  Changes in  internal  controls.  There were no  significant  changes in the
     ------------------------------
Registrant's  internal  controls or in other  factors  that could  significantly
affect these controls subsequent to the date of their evaluation,  including any
corrective  actions  with  regard  to  significant   deficiencies  and  material
weaknesses.

                                       12
<PAGE>


Part II           OTHER INFORMATION
-------           -----------------

Item 1.  Legal Proceedings

          From  time to  time,  the  Company  may be a party  to  various  legal
          proceedings incident to its business.  At June 30, 2003, there were no
          legal proceedings to which the Company was a party, or to which any of
          their  property  was subject,  which were  expected by  management  to
          result in a material loss.

Item 2.  Changes in Securities

          Not Applicable

Item 3.  Defaults Upon Senior Securities

          Not Applicable

Item 4.  Submission of Matters to a Vote of Security Holders

          Not Applicable

Item 5.  Other Information

          On June 19, 2003,  the Board of Directors  of Eureka  Financial  Corp.
          approved a resolution  authorizing a stock repurchase of 15,000 shares
          of  common  stock.  The  trade was  consummated  on July 25,  2003 and
          reduced the outstanding  public shares of Eureka  Financial Corp. down
          to 496,299.

Item 6.  Exhibits and Reports on Form 8-K


          (a) Exhibits

               3(i)  Articles of Incorporation*
               3(ii) Bylaws*
              10(i)  Eureka Financial Corp. 1999 Stock Option Plan **
              10(ii) Eureka Bank 1999 Restricted Stock Plan **
              31     Section 302 Certifications
              32     Section 906 Certification

               (1) Reports on Form 8-K

                    (i)  A Form 8-K was filed on May 1, 2003 pursuant to items 7
                         and 12 announcing  earnings for the quarter ended March
                         31, 2003.

                    (ii) A Form 8-K was filed on July 30, 2003 pursuant to items
                         7 and 12 announcing earnings for the quarter ended June
                         30, 2003.
               ______________
               *    Incorporated  by  reference  to  the  identically   numbered
                    Exhibit on Form 8-K12G3 filed on April 1, 2003
               **   Incorporated by reference from Registration Statement on
                    Form S-8 filed June 24, 2003.


                                       13
<PAGE>
                                   SIGNATURES


     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, thereunto duly authorized.

                                      EUREKA FINANCIAL CORP.



Date:    August 8, 2003               By: /s/ Edward F. Seserko
                                           -------------------------------------
                                           Edward F. Seserko
                                           President and Chief Executive Officer




Date:  August 8, 2003                 By: /s/ Gary B. Pepper
                                           -------------------------------------
                                           Gary B. Pepper
                                           Executive Vice President and Chief
                                           Financial Officer