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                                                               Exhibit 23


INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in the Registration Statements of
First Keystone Financial, Inc. on Form S-8 (Registration Nos. 333-09565 and
33-97562) of our report dated November 5, 1999, appearing in this Annual Report
on Form 10-K of First Keystone Financial, Inc. for the year ended September 30,
1999.


/s/ DELOITTE & TOUCHE LLP


DELOITTE & TOUCHE LLP
Philadelphia, Pennsylvania
December 28, 1999