                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



         In connection with the Quarterly  Report of WSFS Financial  Corporation
(the  "Company")  on Form 10-Q for the period ended  September 30, 2002 as filed
with the Securities and Exchange  Commission on the date hereof (the  "Report"),
we, Marvin N. Schoenhals,  Chairman,  President and Chief Executive Officer, and
Mark A. Turner,  Chief Operating Officer and Chief Financial Officer  (Principal
Accounting Officer),  hereby certify, pursuant to 18 U.S.C. ss. 1350, as adopted
pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that:

1)   The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

2)   The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.




/s/ Marvin N. Schoenhals                        /s/ Mark A. Turner
-----------------------------                 -----------------------------
Marvin N. Schoenhals                            Mark A. Turner
Chairman, President and                         Chief Operating Officer and
Chief Executive Officer                         Chief Financial Officer


November 14, 2002

