X0201 4 2003-12-16 0 0000924370 FSF FINANCIAL CORP FFHH 0001102953 LOBAN GEORGE B 201 MAIN ST S HUTCHINSON MN 55350 1 1 0 0 President Common Stock 2003-12-16 5 M 0 E 6000 9.5 A 85536 D Common Stock 2003-12-16 5 F 0 E 1951 20 D 83585 D Common Stock 2003-12-17 5 M 0 E 6000 9.5 A 42707 I By Spouse Common Stock 2800 I By Son Common Stock 2800 I By Daughter Common Stock 18434 I By ESOP Option Right to BUy 9.5 2003-12-16 5 M 0 E 12000 9.5 D 1995-01-17 2005-01-17 Common Stock 13000 13461 D /s/George B. Loban by Richard H. Burgart, Power of Attorney 2003-12-17