Exhibit 31

                            SECTION 302 CERTIFICATION

I, Edward F. Seserko, certify that:

1.       I have reviewed this Form 10-QSB of Eureka Financial Corp.;

2.       Based  on my  knowledge,  this  report  does  not  contain  any  untrue
         statement of a material fact or omit to state a material fact necessary
         to make the statements made, in light of the circumstances  under which
         such  statements  were made, not misleading  with respect to the period
         covered by this report;

3.       Based on my knowledge,  the financial  statements,  and other financial
         information  included in this  report,  fairly  present in all material
         respects the financial condition,  results of operations and cash flows
         of the small business  issuer as of, and for, the periods  presented in
         this report;

4.       The  small  business  issuer's  other  certifying  officer  and  I  are
         responsible for  establishing and maintaining  disclosure  controls and
         procedures  (as defined in Exchange Act Rule  13a-15(e))  for the small
         business issuer and have:

               (a)  Designed such disclosure controls and procedures,  or caused
                    such disclosure controls and procedures to be designed under
                    our  supervision,   to  ensure  that  material   information
                    relating  to  the  small  business  issuer,   including  its
                    consolidated  subsidiaries,  is made  known to us by  others
                    within  those  entities,  particularly  during the period in
                    which this report is being prepared; and

               (b)  Evaluated the  effectiveness of the small business issuer 's
                    disclosure  controls and  procedures  and  presented in this
                    report  our  conclusions  about  the  effectiveness  of  the
                    disclosure  controls  and  procedures,  as of the end of the
                    period covered by this report based on such evaluation.

               (c)  Disclosed  in this  report  any  change in the  registrant's
                    internal  control over  financial  reporting  (as defined in
                    Exchange  Act Rules  13a-15(f))  that  occurred  during  the
                    registrant's  most recent fiscal quarter that has materially
                    affected,  or is reasonably likely to materially affect, the
                    registrant's internal control over financial reporting; and

5.       The  small  business  issuer  's other  certifying  officer  and I have
         disclosed, based on our most recent evaluation of internal control over
         financial  reporting (as defined in Exchange Act Rules  13a-15(f)),  to
         the small  business  issuer 's auditors and the audit  committee of the
         small business issuer 's board of directors (or persons  performing the
         equivalent functions):

          (a)  All  significant  deficiencies  and  material  weaknesses  in the
               design  or the  operation  of  internal  control  over  financial
               reporting  which are  reasonably  likely to adversely  affect the
               small business  issuer 's ability to record,  process,  summarize
               and report financial information; and

          (b)  Any fraud,  whether or not material,  that involves management or
               other employees who have a significant role in the small business
               issuer 's internal control over financial reporting.


Date:  May 17, 2004                        /s/Edward F. Seserko
                                           -------------------------------------
                                           Edward F. Seserko
                                           President and Chief Executive Officer

<PAGE>

                                                                      Exhibit 31

                            SECTION 302 CERTIFICATION

I, Gary B. Pepper, certify that:

1        I have reviewed this Form 10-QSB of Eureka Financial Corp.;

2.       Based  on my  knowledge,  this  report  does  not  contain  any  untrue
         statement of a material fact or omit to state a material fact necessary
         to make the statements made, in light of the circumstances  under which
         such  statements  were made, not misleading  with respect to the period
         covered by this report;

3.       Based on my knowledge,  the financial  statements,  and other financial
         information  included in this  report,  fairly  present in all material
         respects the financial condition,  results of operations and cash flows
         of the small business  issuer as of, and for, the periods  presented in
         this report;

4.       The  small  business  issuer's  other  certifying  officer  and  I  are
         responsible for  establishing and maintaining  disclosure  controls and
         procedures  (as defined in Exchange Act Rule  13a-15(e))  for the small
         business issuer and have:

         (a)      Designed such disclosure  controls and  procedures,  or caused
                  such  disclosure  controls and procedures to be designed under
                  our supervision,  to ensure that material information relating
                  to the  small  business  issuer,  including  its  consolidated
                  subsidiaries,  is made  known  to us by  others  within  those
                  entities,  particularly during the period in which this report
                  is being prepared;

         (b)      Evaluated the  effectiveness  of the small business  issuer 's
                  disclosure  controls  and  procedures  and  presented  in this
                  report  our  conclusions   about  the   effectiveness  of  the
                  disclosure  controls  and  procedures,  as of  the  end of the
                  period covered by this report based on such evaluation; and

         (c)      Disclosed  in  this  report  any  change  in the  registrant's
                  internal  control  over  financial  reporting  (as  defined in
                  Exchange  Act  Rules   13a-15(f))  that  occurred  during  the
                  registrant's  most recent fiscal  quarter that has  materially
                  affected,  or is reasonably likely to materially  affect,  the
                  registrant's internal control over financial reporting; and

5.       The  small  business  issuer  's other  certifying  officer  and I have
         disclosed, based on our most recent evaluation of internal control over
         financial  reporting (as defined in Exchange Act Rules  13a-15(f)),  to
         the small  business  issuer 's auditors and the audit  committee of the
         small business issuer 's board of directors (or persons  performing the
         equivalent functions):

         (a)      All significant  deficiencies  and material  weaknesses in the
                  design or the  operation of internal  control  over  financial
                  reporting which are reasonably  likely to adversely affect the
                  small business issuer 's ability to record, process, summarize
                  and report financial information; and

         (b)      Any fraud,  whether or not material,  that involves management
                  or other  employees who have a  significant  role in the small
                  business issuer 's internal control over financial reporting.


Date:  May 17, 2004         /s/Gary B. Pepper
                            ----------------------------------------------------
                            Gary B. Pepper
                            Executive Vice President and Chief Financial Officer