|[**X**]                                              | Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934**For the quarterly period ended June 30, 2002**
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|or                                                  
|[   ]                                                | Transition report under Section 13 or 15(d) of the Exchange Act                                                                  
|For the transition period from  ________ to ________

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|Maryland*(State or other jurisdiction**of incorporation or organization)* |  | 04-3627031*(I.R.S. employer**identification no.)*
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|      |                    |  | MONARCH COMMUNITY BANCORP, INC.
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|Date: | September 19, 2002 |  | By:                            
|      |                    |  |                                
|Date: | September 19, 2002 |  | By:                            

1. I have reviewed this quarterly report on Form 10-QSB of Monarch Community Bancorp, Inc.;
2. Based on my knowledge, this quarterly report does not contain any untrue statement of 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 quarterly report;
3. Based on my knowledge, the financial statements, and other financial information included in this quarterly report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this quarterly report.

|Date: | September 19, 2002 |  | By: | /s/ John R. Schroll
John R. Schroll
President and Chief Executive Officer(Principal Executive Officer)
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1. I have reviewed this quarterly report on Form 10-QSB of Monarch Community Bancorp, Inc.;
2. Based on my knowledge, this quarterly report does not contain any untrue statement of 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 quarterly report;
3. Based on my knowledge, the financial statements, and other financial information included in this quarterly report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this quarterly report.

|Date: | September 19, 2002 |  | By: | /s/ William C. Kurtz
William C. Kurtz
Senior Vice President and Treasurer(Principal Financial Officer)
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|Date: | September 19, 2002 |  | By: | /s/ John R. Schroll
John R. Schroll
President and Chief Executive Officer(Principal Executive Officer)
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|Date: | September 19, 2002 |  | By: | /s/ William C. Kurtz
William C. Kurtz
Senior Vice President and Treasurer(Principal Financial Officer)
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