Exhibit 31.2


             SECTION 302 CERTIFICATION OF CHIEF FINANCIAL OFFICER


I, Stuart M. Suggs, certify that:

1. I have reviewed this quarterly report on Form 10-QSB of PFS Bancorp,
   Inc. (the "small business issuer");

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 conclusion 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 controls 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:  November 12, 2004         /s/Stuart M. Suggs
                                 ----------------------------------------
                                 Stuart M. Suggs
                                 Corporate Treasurer, Chief Operating Officer,
                                  and Chief Financial Officer