UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15

 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 No. 000-24898

                               MSB FINANCIAL, INC.
             (Exact name of registrant as specified in its charter)

         107 NORTH PARK STREET, MARSHALL, MICHIGAN 49068, (269) 781-5103
   (Address, including zip code and telephone number, including area code, of
                   registrant's principal executive offices)

                          COMMON STOCK, PAR VALUE $0.01
            (Title of each class of securities covered by this Form)

                                      NONE
  (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)(i)    [ ]
            Rule 12g-4(a)(1)(ii)  [ ]         Rule 12h-3(b)(1)(ii)   [ ]
            Rule 12g-4(a)(2)(i)   [ ]         Rule 12h-3(b)(2)(i)    [ ]
            Rule 12g-4(a)(2)(ii)  [ ]         Rule 12h-3(b)(2)(ii)   [ ]
                                              Rule 15d-6             [ ]

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

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

DATE: April 16, 2004                    BY: /s/ John R. Schroll
                                        ----------------------------------------
                                        John R. Schroll
                                        President and Chief Executive Officer
                                        Monarch Community Bancorp, Inc.
                                        as Successor by merger