FORM 15

                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

Certification  and Notice of Termination of Registration  under Section 12(g) of
the Securities  Exchange Act of 1934 or Suspension of Duty to File Reports Under
Sections 13 and 15(d) of the Securities Exchange Act of 1934.

                         Commission File Number 0-26577

                          Webster City Federal Bancorp
                          ----------------------------
             (Exact name of registrant as specified in its charter)

                 820 Des Moines Street, Webster City, Iowa 50595
                                 (515) 832-3071
                                 --------------
   (Address, including zip code, and telephone number, including area code, of
                    registrant's principal executive offices)

                                  Common Stock
                                  ------------
            (Title of each class of securities covered by this Form)

                                       n/a
          Titles of all other classes of securities for which a duty to
               file reports under Section 13(a) or 15(d) remains)

     Please  place  an X in  the  box(es)  to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:

     Rule 12g-4(a)(1)(i)     [ x ]         Rule 12h-3(b)(1)(ii)     [   ]
     Rule 12g-4(a)(1)(ii)    [   ]         Rule 12h-3(b)(2)(i)      [   ]
     Rule 12g-4(a)(2)(i)     [   ]         Rule 12h-3(b)(2)(ii)     [   ]
     Rule 12g-4(a)(2)(ii)    [   ]         Rule 15d-6               [   ]
     Rule 12h-3(b)(1)(i)     [   ]

     Approximate  number of holders of record as of the  certification or notice
date: 241

     Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,
Webster City Federal Bancorp has caused this  certification/notice  to be signed
on its behalf by the undersigned duly authorized person.

Date: September 23, 2004              By: /s/ Phyllis A. Murphy
                                          --------------------------------------
                                          Phyllis A. Murphy, President and Chief
                                          Executive Officer