EXHIBIT 23

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration Statement Nos.
333-88676, 333-09565 and 333-97562 of First Keystone Financial, Inc. on Form S-8
of our report dated November 7, 2002, incorporated by reference in this Annual
Report on Form 10-K of First Keystone Financial, Inc. for the year ended
September 30, 2002.

/s/ DELOITTE & TOUCHE LLP


DELOITTE & TOUCHE LLP
Philadelphia, Pennsylvania
December 27, 2002