FIRST FEDERAL FINANCIAL SERVICES, INC.

                                                                      Exhibit 32

      Certification of Chief Executive Officer and Chief Financial Officer
            Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Larry W. Mosby, Chief Executive Officer, and Donald Engelke,  Vice President and
Chief Financial  Officer,  of First Federal Financial  Services,  Inc. (Company)
each  certify in his  capacity as an officer of the Company that he has reviewed
the  Quarterly  Report of the  Company  on Form  10-QSB  for the  quarter  ended
September 30, 2005 (Report) and that to the best of his knowledge:

      1.    the Report fully complies with the  requirements of Section 13(a) of
            the Securities Exchange Act of 1934; and
      2.    the  information  contained in this Report fairly  presents,  in all
            material respects, the financial condition and results of operations
            of the Company.

The purpose of this  statement  is solely to comply  with Title 18,  Chapter 63,
Section  1350 of the United  States  Code,  as  amended  by  Section  906 of the
Sarbanes-Oxley Act of 2002.


                                 By: /s/ Larry W. Mosby
                                     ------------------------------------------
                                     Larry W. Mosby
                                     President and Chief Executive Officer



                                 By: /s/ Donald Engelke
                                     ------------------------------------------
                                     Donald Engelke
                                     Vice President and Chief Financial Officer


Date:  November 10, 2005


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