Exhibit 99.3      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
June 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.



August 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
June 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.



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