Exhibit 23(d)
                                  -------------

                          CONSENT OF FINANCIAL ADVISOR


We hereby  consent to the  discussion  relative to our opinion  delivered to the
Board of Directors of The Lower Salem  Commercial  Bank in  connection  with its
proposed  merger  with  Peoples  Bank,  National  Association,   a  wholly-owned
subsidiary of Peoples Bancorp Inc., in the Proxy  Statement/Prospectus  included
under the heading "Summary - The Merger - Opinion of Young & Associates,  Inc.,"
"The Merger - Background," "The Merger - Reasons for the Merger" and "The Merger
- - Opinion of Young &  Associates,  Inc.," to the  references to our firm in such
Proxy  Statement/Prospectus  and to the inclusion of such opinion as an appendix
to the Proxy Statement and Prospectus.


                               /s/ JOHN F. DENTONI
                                   ---------------
                                   John F. Dentoni
                                   Consultant
                                   Young & Associates, Inc.



Kent, Ohio
December 15, 2000