Exhibit 99.4      Certification of Chief Executive Officer and Treasurer




               STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE
               SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

       The undersigned, David M. Bradley, is the President and Chief Executive
Officer of North Central Bancshares, Inc. (the "Company").

       This statement is being furnished in connection with the filing by the
Company of the Company's Quarterly Report on Form 10-Q for the quarter ended
September 30, 2002 (the "Report").

       By execution of this statement, I certify that:

       A)     the Report fully complies with the requirements of Section 13(a)
              or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m(a)
              or 78o(d)) and

       B)     the information contained in the Report fairly presents, in all
              material respects, the financial condition and results of
              operations of the Company as of the dates and for the periods
              covered by the Report.

       This statement is authorized to be attached as an exhibit to the Report
so that this statement will accompany the Report at such time as the Report is
filed with the Securities and Exchange Commission, pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that
this statement be deemed to be filed for purposes of the Securities Exchange Act
of 1934, as amended.



November 14, 2002                           /s/ David M. Bradley
-----------------                           --------------------
Dated                                       David M. Bradley

<PAGE>


               STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE
               SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

       The undersigned, John L. Pierschbacher, the Treasurer of North Central
Bancshares, Inc. (the "Company").

       This statement is being furnished in connection with the filing by the
Company of the Company's Quarterly Report on Form 10-Q for the quarter ended
September 30, 2002 (the "Report").

       By execution of this statement, I certify that:

       C)     the Report fully complies with the requirements of Section 13(a)
              or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m(a)
              or 78o(d)) and

       D)     the information contained in the Report fairly presents, in all
              material respects, the financial condition and results of
              operations of the Company as of the dates and for the periods
              covered by the Report.

       This statement is authorized to be attached as an exhibit to the Report
so that this statement will accompany the Report at such time as the Report is
filed with the Securities and Exchange Commission, pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that
this statement be deemed to be filed for purposes of the Securities Exchange Act
of 1934, as amended.



November 14, 2002                           /s/ John L. Pierschbacher
-----------------                           -------------------------
Dated                                       John L. Pierschbacher