SECTION 302 CERTIFICATION

I, Gary B. Pepper, certify that:

1    I have reviewed this Form 10-KSB of Eureka 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 an I are responsible
     for  establishing  and maintaining  disclosure  controls and procedures (as
     defined in Exchange Act Rule  13a-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  registrant's  internal
          control  over  financial  reporting  (as defined in Exchange Act Rules
          13a-15(f))  that occurred during the  registrant's  most recent fiscal
          quarter  that has  materially  affected,  or is  reasonably  likely to
          materially  affect,  the registrant's  internal control over financial
          reporting; and

5.   The small business issuer 's other certifying  officer an I have disclosed,
     based on our most recent  evaluation  of internal  control  over  financial
     reporting  (as  defined  in  Exchange  Act Rules  13a-15(f)),  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
          the 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: December 24, 2003     /s/Gary B. Pepper
                            ----------------------------------------------------
                            Gary B. Pepper
                            Executive Vice President and Chief Financial Officer
<PAGE>

                            SECTION 302 CERTIFICATION

I, Edward F. Seserko, certify that:

1.   I have reviewed this Form 10-KSB of Eureka 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 an I are responsible
     for  establishing  and maintaining  disclosure  controls and procedures (as
     defined in Exchange Act Rule  13a-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; and

     (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.

     (c)  Disclosed  in this  report  any  change in the  registrant's  internal
          control  over  financial  reporting  (as defined in Exchange Act Rules
          13a-15(f))  that occurred during the  registrant's  most recent fiscal
          quarter  that has  materially  affected,  or is  reasonably  likely to
          materially  affect,  the registrant's  internal control over financial
          reporting; and

5.   The small business issuer 's other certifying  officer an I have disclosed,
     based on our most recent  evaluation  of internal  control  over  financial
     reporting  (as  defined  in  Exchange  Act Rules  13a-15(f)),  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
          the 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: December 24, 2003                    /s/Edward F. Serserko
                                           -------------------------------------
                                           Edward F. Serserko
                                           President and Chief Executive Officer