EXHIBIT 23

The Board of Directors
FirstRock Bancorp, Inc.

We consent to the  incorporation  by  reference  to Form 8-K of First  Financial
Corporation  dated March 7, 1995 of our report dated July 29, 1994, with respect
to the consolidated statements of financial condition of FirstRock Bancorp, Inc.
as of June  30,  1994 and  1993,  and the  related  consolidated  statements  of
earnings,  changes in stockholders' equity, and cash flows for each of the years
in the three-year period ended June 30, 1994.


/s/ KPMG Peat Marwick LLP
- ---------------------
KPMG Peat Marwick LLP

Chicago, Illinois
March 7, 1995