Exhibit 31.2

                                CERTIFICATION
                                -------------

I, Michael L. Gampp, certify that:

      1.    I have reviewed this Annual Report on Form 10-KSB of ASB
            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(s) and I
            are responsible for establishing and maintaining disclosure
            controls and procedures (as defined in Exchange Act Rules 13a-
            15(e) and 15d-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 small business
                  issuer's internal control over financial reporting that
                  occurred during the small business issuer's most recent
                  fiscal quarter (the small business issuer's fourth fiscal
                  quarter in the case of an annual report) that has
                  materially affected, or is reasonably likely to
                  materially affect, the small business issuer's internal
                  control over financial reporting; and

      5.    The small business issuer's other certifying officer(s) and I
            have disclosed, based on our most recent evaluation of internal
            control over financial reporting, 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 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: September 27, 2004               /s/ Michael L. Gampp
                                       ------------------------------------
                                       Michael L. Gampp
                                       Chief Financial Officer


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