LARSSON, WOODYARD & HENSON, LLP
                     CERTIFIED PUBLIC ACCOUNTANTS
       702 E. COURT STREET, P.O. BOX 426, PARIS, ILLINOIS 61944
               TEL: (217) 465-6494, FAX: (217) 465-6499



                                                           EXHIBIT 23.1


               CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


As independent public  accountants,  we  hereby consent to the incorporation by
reference in this registration statement of  our  report dated October 20, 1995
included  in  CSB  Financial  Group,  Inc.'s Form 10-KSB  for  the  year  ended
September  30,  1995  and  to all references  to  our  Firm  included  in  this
registration statement.



                                 /s/ Larsson Woodyard & Henson LLP

                                 LARRSON WOODYARD & HENSON LLP



Paris, Illinois
August 14, 1996