SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

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FORM 10-QSB

| [X]            | QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|----------------|-----------------------------------------------------------------------------------|
|                | For the quarterly period ended March 31, 2003                                     |
| [  ] | TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT                   |
|                | For the transition period from ______ to ________                                 |

Commission file number 0-25070.

**LSB FINANCIAL CORP.** (Exact Name of Small Business Issuer as Specified in its Charter)

| Indiana(State or other jurisdiction ofIncorporation or organization)        |  | 35-1934975(I.R.S. EmployerIdentification No.) |
|-----------------------------------------------------------------------------|--|-----------------------------------------------|
| 101 Main Street, Lafayette, Indiana(Address or principal executive offices) |  | 47902(Zip Code)                               |

Issuer's telephone number, including area code: (765) 742-1064

       State the number of shares outstanding of each of the issuer's classes of common equity, as of the latest practicable date:

| CLASS                                  |  | OUTSTANDING AT MAY 13, 2003 |
|----------------------------------------|--|-----------------------------|
| Common stock, par value $.01 per share |  | 1,349,817                   |

       Transitional Small Business Disclosure Format: YES [  ] NO [X]

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LSB FINANCIAL CORP.

INDEX

| PART I.FINANCIAL INFORMATION1Item 1.Financial Statements (Unaudited)1Consolidated Statements of Financial Condition1Consolidated Statements of Income2Consolidated Statements of Changes in Shareholders' Equity3Consolidated Statements of Cash Flows4Notes to Consolidated Financial Statements 5-6Item 2.Management's Discussion of Recent Operating Results 7-13Item 3.Controls and procedures14PART II.OTHER INFORMATION15SIGNATURES16CERTIFICATION PAGES17-20EXHIBIT INDEX 21NEXT PAGELSB FINANCIAL CORP.STATEMENTS OF FINANCIAL CONDITION(Dollars in thousands)December 31,2002March 31,2003(unaudited)AssetsCash and due from banks$1,627$2,817Short-term investments14,35723,292Available-for-sale securities11,77911,450Loans held for sale8,0634,517Total loans271,830261,053  Less: Allowance for loan losses(1,996)(2,194)    Net loans269,834258,859Premises and equipment, net7,0397,084FHLB stock, at cost3,7823,782Accrued interest receivable and other assets2,6153,667    Total Assets$319,096315,468Liabilities and Shareholders' EquityLiabilitiesDeposits221,590$219,700Advances from FHLB70,47367,473Accrued interest payable and other liabilities1,5312,455    Total liabilities293,594289,628Shareholders' EquityCommon stock1414Additional paid-in-capital8,1007,825Retained earnings17,55018,165Unearned ESOP shares(218)(203)Unamortized cost of recognition and retention plan(109)(102)Accumulated other comprehensive income165141    Total shareholders' equity25,50225,840Total liabilities and shareholders' equity$319,096$315,468See accompanying notesNEXT PAGELSB FINANCIAL CORP.STATEMENTS OF INCOME(Dollars in thousands, except per share data)(Unaudited)Three months endedMarch 31,20022003Interest Income  Loans, including related fees$4,684$4,790  Available-for-sale securities169143  FHLB stock5254    Total interest income4,9054,987Interest Expense  Deposits1,6641,354  Borrowings900923    Total interest expense2,5642,277Net interest income2,3412,710  Provision for loan losses75250Net interest income after provision for loan losses2,2662,460Noninterest Income  Service charges and fees153222  Net gain on mortgage loans originated for sale235565  Gain on sale of securities00  Other income192-34    Total noninterest income580753Noninterest Expense  Salaries and benefits1,0371,085  Occupancy and equipment, net258301  Computer service7892  Advertising96121  Other345316    Total noninterest expense1,8141,915Income before income taxes1,0321,298  Less: income taxes346513Net income$686$785Earnings per share$0.51$0.59Diluted Earnings per share$0.50$0.57Book value per share$17.93$19.63See accompanying notes2NEXT PAGELSB FINANCIAL CORP.CONSOLIDATED STATEMENTS OF CHANGESIN SHAREHOLDERS' EQUITY(Dollars in thousands)(Unaudited)**CommonStock****AdditionalPaid-InCapital****RetainedEarnings****UnearnedESOPShares****UnamortizedCost of BankRecognitionand RetentionPlan****AccumulatedOtherComprehensiveIncome****Total**Balance at January 1, 2002$14$8,279$15,422$(282)$(138)$93$23,388Exercise of stock options00ESOP shares earned281745RRP expense77Dividends paid(152)(152)  Comprehensive income    Net income686686Change in unrealized gain/(loss)(34)(34)Total comprehensive income652Balance at March 31, 2002$14$8,307$15,956$(265)$(131)$59$23,940Balance at January 1, 2003$14$8,100$17,550-$218-$109$165$25,502Exercise of stock options66ESOP shares earned361551RRP expense77Treasury stock acquired and retired(317)(317)Dividends paid(170)(170)  Comprehensive income    Net income785785    Change in unrealized gain/(loss)(24)(24)Total comprehensive income761Balance at March 31, 2003$14$7,825$18,165$(203)$(102)$141$25,840See accompanying notes3NEXT PAGELSB FINANCIAL CORP.STATEMENTS OF CASH FLOWS(Dollars in thousands)(Unaudited)For the 3 months ended March 31,20022003Cash Flows from Operating ActivitiesNet Income$686$785Adjustments to reconcile net income to net  cash from operating activities    Depreciation and amortization131159    Net amortization/(accretion) on securities1725    Gain on sale of securities00    Changes in loans held for sale1,5303,546    Provision for loan losses75250    Employee stock ownership plan shares earned4551    Change in assets and liabilities      Accrued interest receivable and other assets(462)(1,028)      Accrued interest payable and other liabilities703924Net cash provided by operating activities2,7254,712Cash Flows from Investing ActivitiesPurchases of available-for-sale securities(2,612)(1,531)Proceeds from paydowns and maturities of  available-for-sale securities7891,794Sales of available-for-sale securities300Purchase of Federal Home Loan Bank stock00Loans made to customers net of payments received(4,173)10,725Property and equipment expenditures(44)(204)Net cash (used in) provided by investing activities(6,010)10,784Cash Flows from Financing ActivitiesNet change in deposits10,030(1,890)Proceeds from Federal Home Loan Bank advances4,0002,000Payments on Federal Home Loan Bank advances(4,000)(5,000)Treasury Stock Purchased0(317)Dividends paid(152)(170)Stock options exercised06Net cash provided by financing activities9,878(5,371)Net change in cash and equivalents6,59310,125Cash and equivalents at January 114,79215,984Cash and equivalents at March 31$21,385$26,109See accompanying notes4NEXT PAGELSB FINANCIAL CORP.NOTES TO CONSOLIDATED FINANCIAL STATEMENTSMARCH 31, 2003
Note 1 - General

The financial statements were prepared in accordance with the instructions for Form 10-QSB and, therefore, do not include all of the disclosures necessary for a completepresentation of financial position, results of operations and cash flows in conformity with accounting principles, generally accepted in the United States of America. These interim financialstatements have been prepared on a basis consistent with the annual financial statements and include, in the opinion of management, all adjustments, consisting of only normal recurring adjustments,necessary for a fair presentation of the results of operations and financial position for and at the end of such interim periods.

Stock Compensation: Employee compensation expense under stock options is reported using the intrinsic value method. No stock-based compensation cost is reflected in netincome, as all options granted had an exercise plan equal to or greater that the market price of the underlying common stock at date of grant. The following table illustrates the effect on net incomeand earnings per share if expense was measured using the fair value recognition provisions of FASB Statement No.123, *Accounting for Stock-Based Compensation*.
   20032002Net income as reported$785$686Deduct: Stock-based compensation expense determined under fair value based method(6)(6)Pro forma net income779680Basic earnings per share as reported.59.51Pro forma basic earnings per share.59.51Diluted earnings per share as reported.57.50Pro forma diluted earnings per share.57.505NEXT PAGE
Note 2 - Principles of Consolidation

The accompanying financial statements include the accounts of LSB Financial Corp., its wholly owned subsidiary Lafayette Savings Bank, FSB, and Lafayette Savings' wholly ownedsubsidiaries, LSB Service Corporation and Lafayette Insurance and Investments, Inc. All significant intercompany transactions have been eliminated upon consolidation.

Note 3 - Earnings per share

Earnings per share are based upon the weighted average number of shares outstanding during the period. Diluted earnings per share further assume the issuance of any potentiallydilutive shares. Unearned ESOP shares are not considered to be outstanding for the earnings per share computation. The following table presents information about the number of shares used to computeearnings per share and the results of the computations:
Quarter ended March 31    **2003****2002**Weighted average shares outstanding
(excluding unearned ESOP shares)
1,322,8611,333,712Shares used to compute diluted
earnings per share
1,373,4361,373,085Earnings per share$0.59$0.51Diluted earnings per share$0.57$0.506NEXT PAGE
**Item 2.**
**MANAGEMENT'S DISCUSSION OF RECENT OPERATING RESULTS**
            All references in this quarterly report to "we," "us," "our," and the "Company" refer to LSB Financial Corp. and/or Lafayette Savings Bank, FSB, as the contextrequires.

**Financial Condition**

            ***Comparison of Financial Condition at March 31, 2003 and December 31, 2002.***

            Our total assets decreased $3.6 million or 1.14% during the three months from December 31, 2002 to March 31, 2003. This decrease was primarily due to an $11.0 million decrease in total net loans.Management attributes the decreases primarily to the large volume of refinancing resulting from the continuing low interest rate environment. Many borrowers continue to refinance to fixed rateproducts which we generally sell on the secondary market as part of our interest rate risk strategy. Short term investments increased $8.9 million as excess funding was invested in interest earningsecurities until it is able to be invested in higher yielding loan products or longer term investments. The decrease in assets was accompanied by a $1.9 million decrease in deposits and a $3.0million decrease in Federal Home Loan Bank advances. Management attributes the decrease in deposits to its becoming less active in trying to attract additional deposits when there is no imminentfunding need. Management is also taking the opportunity to pay off Federal Home Loan Bank advances as they come due, for similar reasons. Shareholders' equityincreased from $25.5 million at December 31, 2002 to $25.8 million at March 31, 2003, an increase of $338,000 due primarily to net income, offset in part by the payment of a cash dividend.

            Non-performing assets increased from $3.6 million at December 31, 2002 to $4.4 million at March 31, 2003. Non-performing loans at March 31, 2003 consisted of $2.2 million of non-accruing loans onresidential real estate, $1.5 million of non-accruing loans on land or commercial property, $215,000 of non-accruing commercial business loans, and $117,000 of non-accruing consumer loans and$406,000 in foreclosed assets. At March 31, 2003, our allowance for loan losses equaled 0.83% of total loans (including loans held for sale) compared to 0.72% at December 31, 2002, and 49.41% ofnon-performing assets at March 31, 2003 compared to 55.61% at December 31, 2002. Our non-performing assets equaled 1.41% of total assets at March 31, 2003 compared to 1.12% at December 31, 2002.  Although we believe we use the best information available to determine the adequacy of our allowance for loan losses,future adjustments to the allowance may be necessary, and net income could be significantly affected, if circumstances and/or economic conditions cause substantial changes in the estimates we use inmaking the determinations about the levels of the allowance for losses. Additionally, various regulatory agencies, as an integral part of their examination process, periodically review our allowancefor loan losses. These agencies may require the recognition of additions to the allowance based upon their judgements of information available at the time of their examination.
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**Results of Operations**

***Comparison of Operating Results for the Three Months Ended March 31, 2003 and March 31, 2002.***

            ***General.*** Net income for the three months ended March 31, 2003 was $785,000, an increase of $99,000 or 14.43%, over the three months ended March 31, 2002. This increase was primarily due to a $369,000 increase in net interest income driven by better net interest margins and a $330,000 increase in the gain on sale of loans due to theincreased originations and refinancings of fixed rate mortgage loans and the sale of such loans on the secondary market. This increase was partially offset by a $175,000 increase in the provision forloan losses based on an analysis of risk factors in the loan portfolio, a $157,000 decrease in noninterest income primarily the result of increased amortization on originated mortgageservicing rights, a $101,000 increase in noninterest expenses, and a $167,000 increase in taxes on income.

            ***Net Interest Income.*** Net interest income for the three months ended March 31, 2003 increased $369,000, or 15.76%, over the same period in 2002. This increase wasprimarily due to lower interest rates paid on interest bearing liabilities. Our net interest margin (net interest income divided by average interest-earning assets)increased from 3.39% for the three months ended March 31, 2002 to 3.59% for the three months ended March 31, 2002. The increase in net interest margin is primarily the result of the continuedlow market interest rates which decreased the average rate paid on interest bearing liabilities from 3.90% for the three months ended March 31, 2002 to 3.17% for the three months ended March 31,2003. The increase in the net interest margin was accompanied by a $1.5 million increase in average interest earning assets.

            Interest income on loans increased $106,000 or 2.26% for the three months ended March 31, 2003 compared to the same three months in 2002. This increase was the resultof a $20.8 million increase in average loans outstanding partially offset by a decrease in the average yield on loans from 7.61% for the first three months of 2002 to 7.17% for the first three monthsof 2003, due to lower interest rates in the economy. The increase in the loan portfolio was due largely to borrowers continuing to take advantage of relatively low market interest rates to refinanceexisting mortgages and initiate other real estate related purchases. While we typically sell the majority of our fixed rate one-to-four family mortgage loans in the secondary market, the low interestrates spurred activity in all lending segments.

            Interest earned on other investments and Federal Home Loan Bank stock decreased by $24,000 for the three months ended March 31, 2003 compared to the same period in2002. This was the result of a decrease in the average yield on the average balance of other investments and Federal Home Loan Bank stock from 2.92% for the first three months of 2002 to 2.26% overthe same period in 2003, partially offset by an increase in average balances of $5.4 million. The yield decrease was generally due to the increase in lower yielding short-term investments as thefunds received from the sale of fixed rate loans is held in short term investments until they can be reinvested in longer term loans or investments.
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            Interest expense for the three months ended March 31, 2003 decreased $287,000, or 11.19%, over the same period in 2002. This decrease was due to a decrease in theaverage rate paid on interest bearing liabilities from 3.90% for the first three months of 2002 to 3.17% for the first three months of 2003 despite a $23.9 million increase in averageinterest-bearing liabilities consisting of a $14.9 million increase in lower rate deposits and a $9.0 million increase in the average balance in higher rate, longer term Federal Home Loan Bankadvances.

            ***Provision for Loan Losses***. We establish our provision for loan losses based on a systematic analysis of risk factors in the loan portfolio.The analysis includes consideration of concentrations of credit, past loss experience, current economic conditions, the amount and composition of the loan portfolio, estimated fair value of theunderlying collateral, loan commitments outstanding, delinquencies and industry standards. On at least a quarterly basis, a formal analysis of the adequacy of the allowance is prepared and reviewed by management and the Board of Directors. Thisanalysis serves as a point in time assessment of the level of the allowance and serves as a basis for provisions for loan losses.

            More specifically, our analysis of the loan portfolio will begin at the time the loan is originated, when each loan is assigned a risk rating. If the loan is acommercial credit, the borrower will also be assigned a similar rating. Loans that continue to perform as agreed will be included in one of ten non-classified loan categories. Portions of theallowance are allocated to loan portfolios in the various risk grades, based upon a variety of factors including, historical loss experience, trends in the type and volume of the loan portfolios,trends in delinquent and non-performing loans, and economic trends affecting our market. Loans no longer performing as agreed are assigned a lower risk rating, eventually resulting in their beingregarded as classified loans. A collateral re-evaluation is completed on all classified loans. This process results in the allocation of specific amounts of the allowance to individual problem loans,generally based on an analysis of the collateral securing those loans. These components are added together and compared to the balance of our allowance at the evaluation date.

            Non-classified loan categories include first mortgage loans on the following types of properties: one-to-four family owner occupied, one-to-four family non-owneroccupied, multi family, non-residential, land and land development, and construction. Additional categories include: second mortgage and home equity loans, unsecured commercial business loans,secured commercial business loans, and consumer loans.

            The provision for loan losses for the three months ended March 31, 2003 was $250,000 compared to $75,000 for the same period in 2002. The increase in the provision in2003 was based on our analysis of our loan portfolios and was primarily due to the higher level of classified loans and loans designated as special mention at March 31, 2003 compared to March 31,2002 which exhibit weaknesses related to the continuing slow economy. Non accruing loans increased from $3.3 million on March 31, 2002 to $4.0 million on March 31, 2003.
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            ***Non-Interest Income***. Non-interest income for the three months ended March 31, 2003 increased by $173,000, or 29.83%, compared to the same period in 2002. This wasprimarily due to a $330,000 increase in the gain on the sale of mortgage loans in the secondary market resulting from increased sales. This increase was partially offset by a $226,000 decrease inother non-interest income, primarily the result of increased amortization on originated mortgage servicing rights. During the first three months in 2002 and 2003, $143,000 of the $235,000 gain on thesale of loans and $260,000 of the $565,000 gain on the sale of loans, respectively, can be attributed to establishing the originated mortgage servicing right asset. This asset, which represents thenet present value of the expected servicing fee income over the life of a loan is recorded as income at the time the loan is sold. It is amortized to expense over the expected life of the loan andoffsets the monthly service fee income actually received. Management monitors the prepayment of sold loans and adjusts the amortization of the originated servicing right asset to recognize therepayment and prepayment of sold loans and to assure that the balance does not exceed the expected fair value of the servicing right asset. Amortization increased in 2002 due to mortgage prepaymentsand more substantially in the fourth quarter of 2002 and first quarter of 2003 due to the decline in the fair market value of servicing rights related to the low interest rate environment andincreased prepayment speeds. The originated servicing right asset at March 31, 2002 was $809,000, compared to $842,000 at March 31, 2003.

            ***Non-Interest Expense.***Non-interest expense for the three months ended March 31, 2003 increased $101,000 over the same period in 2002, dueprimarily to a $48,000 increase in salaries and benefits, a $43,000 increase in occupancy expenses, and a net $10,000 increase in advertising, computer service and other general and administrativeexpenses. These increases are generally due to the increased loan origination and processing activity as large numbers of borrowers continue to refinance their mortgages to take advantage ofthe low interest rates.

            ***Income Tax Expense.***Our income tax provision increased by $167,000 for the three months ended March 31, 2003compared to the three months ended March 31, 2002 primarily due to the increase in income before income taxes, somewhat offset by the effect of apportionment on state tax in 2002.

            ***Liquidity.***Liquidity management is both a daily and long-term function for our senior management. We adjust our investment strategy, within the limits established by theinvestment policy, based upon assessments of expected loan demand, expected cash flows, Federal Home Loan Bank advance opportunities, market yields and objectives of our asset/liability managementprogram. Base levels of liquidity have generally been invested in interest-earning overnight and time deposits with the Federal Home Loan Bank of Indianapolis. Funds for which a demand is notforeseen in the near future are invested in investment and other securities for the purpose of yield enhancement and asset/liability management.

            Our current internal policy for liquidity, defined as cash and salable investment securities with terms up to five years divided by deposits and Federal Home Loan Bank advances with a remainingmaturity of one year or less, is for minimum liquidity of 6.0% of total assets. Our liquidity ratios at December 31, 2002 and March 31, 2003 were 8.42% and 14.07%, respectively compared to aregulatory liquidity base, and 5.97% and 10.62% compared to total assets.
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            We anticipate that we will have sufficient funds available to meet current funding commitments. At March 31, 2003, we had outstanding commitments to originate loans and available lines of credittotaling $68.1 million and commitments to provide funds to complete current construction projects in the amount of $7.1 million. In addition we had commitments to sell $20.8 million of fixed rateresidential loans. Certificates of deposit which will mature in one year or less at March 31, 2003 totaled $77.4 million. Based on our experience, our certificates of deposit have been a relativelystable source of long-term funds as such certificates are generally renewed upon maturity since we have established long-term banking relationships with our customers. Therefore, we believe asignificant portion of such deposits will remain with us, although this cannot be assured. We also have $13.0 million of Federal Home Loan Bank advances maturing in the next twelve months.

            ***Capital Resources.*** Shareholders' equity totaled $25.8 million at March 31, 2003 compared to $25.5 million at December 31, 2002, an increase of $338,000 or 1.33%, dueprimarily to net income of $785,000, offset by $170,000 of cash dividends paid to shareholders and treasury stock purchases of $317,000.

            Federal insured savings institutions are required to maintain a minimum level of regulatory capital. If the requirement is not met, regulatory authorities may takelegal or administrative actions, including restrictions on growth or operations or, in extreme cases, seizure. As of December 31, 2002 and March 31,2003,Lafayette Savings Bank was categorized as well capitalized. Our actual and required capital amounts and ratios at December 31, 2002 and March 31, 2003 are presented below:
11NEXT PAGEActualOTSFor CapitalAdequacyPurposesFDICTo Be WellCapitalized UnderCorrective ActionProvisionsAmountRatioAmountRatioAmountRatio(Dollars in thousands)**As of December 31, 2002**Total Capital (to risk-weighted assets)$26,50911.64%$18,2168.00%$22,77010.00%Tier 1 (Core) Capital (to risk weighted assets)24,53310.77%9,1084.00%13,6626.00%Tier 1 (Core) Capital (to adjusted total assets)24,5337.67%9,5933.00%15,9885.00%Tangible Capital (to adjusted assets)24,5337.67%4,7961.50%N/AN/A**As of March 31, 2003**Total Capital (to risk-weighted assets)$27,09812.26%$17,6768.00%$22,09510.00%Tier 1 (Core) Capital (to risk weighted assets)24,90411.27%8,8384.00%13,2576.00%Tier 1 (Core) Capital (to adjusted total assets)24,9047.90%9,4553.00%15,7585.00%Tangible Capital (to adjusted assets)24,9047.90%4,7281.50%N/AN/A
**Disclosure regarding Forward-Looking Statements**

            This document, including information included or incorporated by reference, contains, and future filings by LSB Financial on Form 10-KSB, Form 10-QSB and Form 8-K and future oral and writtenstatements by LSB Financial and our management may contain, forward-looking statements about LSB Financial and its subsidiaries which we believe are within the meaning of the Private SecuritiesLitigation Reform Act of 1995. These forward-looking statements include, without limitation, statements with respect to anticipated future operating and financial performance, growth opportunities,interest rates, cost savings and funding advantages expected or anticipated to be realized by management. Words such as may, could, should, would, believe, anticipate, estimate,expect, intend, plan and similar expressions are intended to identify forward-looking statements. Forward-looking statements by LSB Financial and its management are based on beliefs, plans,objectives, goals, expectations, anticipations, estimates and intentions of management and are not guarantees of future performance. We disclaim any obligation to update or revise any forward-lookingstatements based on the occurrence of future events, the receipt of new information or otherwise. The important factors we discuss below and elsewhere in this document, as well as other factorsdiscussed under the caption "Management's Discussion of Recent Operating Results" in this document and identified in our filings with the SEC and those presented elsewhere
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by our management from timeto time, could cause actual results to differ materially from those indicated by the forward-looking statements made in this document.

            The following factors, many of which are subject to change based on various other factors beyond our control, could cause our financial performance to differ materially from the plans, objectives,expectations, estimates and intentions expressed in such forward-looking statements:
- the strength of the United States economy in general and the strength of the local economies in which we conduct our operations;
- the effects of, and changes in, trade, monetary and fiscal policies and laws; including interest rate policies of the Federal Reserve Board;
- financial market, monetary and interest rate fluctuations, particularly the relative relationship of short-term interest rates to long-term interest rates;
- the timely development of and acceptance of our new products and services of Lafayette Savings and the perceived overall value of these products and services by users, including the features,pricing and quality compared to competitors' products and services;
- the willingness of users to substitute competitors' products and services for our products and services;
- the impact of changes in financial services' laws and regulations (including laws concerning taxes, accounting standards, banking, securities and insurance);
- the impact of technological changes;
- acquisitions;
- changes in consumer spending and saving habits; and
- our success at managing the risks involved in the foregoing.
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**Item 3. CONTROLS AND PROCEDURES**.

            (a) Evaluation of Disclosure Controls and Procedures: An evaluation of the Company's disclosure controls and procedures (as defined in Section 13(a)-14(c) of the Securities Exchange Act of1934 (the Act)) was carried out under the supervision and with the participation of the Company's Chief Executive Officer, Chief Financial Officer and several other members of the Company's seniormanagement within the 90-day period preceding the filing date of this quarterly report. The Company's Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosurecontrols and procedures currently in effect are effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the Act is (i) accumulatedand communicated to the Company's management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner and (ii) recorded, processed, summarized and reported within thetime periods specified in the SEC's rules and forms.

            (b) Changes in Internal Controls: In the quarter ended March 31, 2003, the Company did not make any significant changes in, nor take any corrective actions regarding, its internal controlsor other factors that could significantly affect these controls.
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**PART II - OTHER INFORMATION**

Item 1. LEGAL PROCEEDINGS

            The Company, from time to time, is involved as plaintiff or defendant in various legal actions arising in the normal course of business. While the ultimate outcome of these proceedings cannot be predicted with certainty, it is the opinion of management, after consultation with counsel representing the Company in the proceedings, that the resolution of any prior and pending proceedings should not have a material effect on the Company or the Bank's financial condition or results of operations.

Item 2. CHANGES IN SECURITIES

None to be reported.

Item 3. DEFAULTS UPON SENIOR SECURITIES

None to be reported.

Item 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

None to be reported.

Item 5. OTHER INFORMATION

None.

Item 6. EXHIBITS AND REPORTS ON FORM 8-K

            (a) Exhibits:

                   See Exhibit Index

            (b) Reports on Form 8-K

                   None to be reported.
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**SIGNATURES**

            In accordance with the requirements of the Exchange Act, the Registrant has caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
LSB FINANCIAL CORP.      (Registrant)DateMay 15, 2003/S/ RANDOLPH F. WILLIAMSRandolph F. Williams, President(Principal Executive Officer)DateMay 15, 2003/S/ MARY JO DAVIDMary Jo David, Treasurer[Principal Financial and Accounting Officer)16NEXT PAGE
CERTIFICATION

            I, Randolph F. Williams, certify that:

            1. I have reviewed this quarterly report on Form 10-QSB of LSB Financial Corp. (the "Registrant");

            2. Based on my knowledge, this quarterly 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 thecircumstances under which such statement were made, not misleading with respect to the period covered by this quarterly report;

            3. Based on my knowledge, the consolidated financial statements, and other financial information included in this quarterly report, fairly present in all material respects the consolidatedfinancial condition, results of operations and cash flows of the Registrant as of, and for, the periods presented in this quarterly report;

            4. The Registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for theregistrant and we have:

                        a) designed such disclosure controls and procedures to ensure that material information relating to the Registrant, including its consolidated subsidiaries, is made known to us by others withinthose entities, particularly during the period in which this quarterly report os being prepared;

                        b) evaluated the effectiveness of the Registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this quarterly report (the Evaluation Date); and

                        c) presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;

            5. The Registrant's other certifying officer and I have disclosed, based on our most recent evaluation, to the Registrant's auditors and the audit committee of Registrant's board of directors (orpersons performing the equivalent function):

                        a) all significant deficiencies in the design or operation of internal controls which could adversely affect the Registrant's ability to record, process, summarize and report financial data andhave identified for the Registrant's auditors any material weaknesses in internal controls; and

                        b) Any fraud, whether of not material, that involves management or other employees who have a significant role in the Registrant's internal controls; and
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            6. The Registrant's other certifying officer and I have indicated in this quarterly report whether or not there were significant changes in internal controls or in other factors that couldsignificantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
Date: May 15, 2003/s/ Randolph F. WilliamsRandolph F. WilliamsChief Executive Officer18NEXT PAGE
CERTIFICATION

            I, Mary Jo David, certify that:

            1. I have reviewed this quarterly report on Form 10-QSB of LSB Financial Corp. (the "Registrant");

            2. Based on my knowledge, this quarterly 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 thecircumstances under which such statement were made, not misleading with respect to the period covered by this quarterly report;

            3. Based on my knowledge, the consolidated financial statements, and other financial information included in this quarterly report, fairly present in all material respects the consolidatedfinancial condition, results of operations and cash flows of the Registrant as of, and for, the periods presented in this quarterly report;

            4. The Registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for theRegistrant and we have:

                        a) designed such disclosure controls and procedures to ensure that material information relating to the Registrant, including its consolidated subsidiaries, is made known to us by others withinthose entities, particularly during the period in which this quarterly report os being prepared;

                        b) evaluated the effectiveness of the Registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this quarterly report (the Evaluation Date); and

                        c) presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;

            5. The Registrant's other certifying officer and I have disclosed, based on our most recent evaluation, to the Registrant's auditors and the audit committee of Registrant's board of directors (orpersons performing the equivalent function):

                        a) all significant deficiencies in the design or operation of internal controls which could adversely affect the Registrant's ability to record, process, summarize and report financial data andhave identified for the Registrant's auditors any material weaknesses in internal controls; and

                        b) Any fraud, whether of not material, that involves management or other employees who have a significant role in the Registrant's internal controls; and
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            6. The Registrant's other certifying officers and I have indicated in this quarterly report whether or not there were significant changes in internal controls or in other factors that couldsignificantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
Date: May 15, 2003/s/ Mary Jo DavidMary Jo DavidChief Financial Officer20NEXT PAGE
**INDEX TO EXHIBITS**
RegulationS-K ExhibitNumberDocument3.1Registrant's Articles of Incorporation, filed on March 21, 1994, as an exhibit to Registrant's Registration Statement on Form S-1 (File No. 33-84266), areincorporated by reference.3.2Registrant's Bylaws, as amended and restated, filed as Exhibit 3.2 to Registrant's Report on Form 10-KSB for the fiscal year ended December 31, 2002 (File No.0-25070), is incorporated herein by reference.4Registrant's Specimen Stock Certificate, filed on March 21, 1994 as exhibits to Registrant's Registration Statement on Form S-1 (File No. 33-84266), is incorporatedby reference.10.1Registrant's 1995 Stock Option and Incentive Plan, filed on July 11, 1995 as Appendix A to Registrant's Proxy Statement on Schedule 14A (File No. 0-25070), isincorporated herein by reference.10.3Registrant's 1995 Recognition and Retention Plan, filed on July 11, 1995 as Appendix B to Registrant's Proxy Statement on Schedule 14A (File No. 0-25070), isincorporated herein by reference.11Statement re computation of per share earnings99.1Certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.21NEXT PAGE
CERTIFICATION

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned hereby certifies in his capacity as an officer of LSB Financial Corp. (the "Registrant") that the QuarterlyReport of the Registrant of Form 10-QSB for the period ended March 31, 2003 fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 and that the informationcontained in such report fairly present, in all material respects, the consolidated financial condition of the Registrant at the end of such period and the results of operations of the Registrant forsuch period.

Date: May 15, 2003 /S/

Randolph F. Williams

President and Chief Executive Officer

Date: May 15, 2003 /S/ 

Mary Jo David

Vice President and Chief Financial Officer |
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