EXHIBIT 23.2


                     CONSENT OF INDEPENDENT ACCOUNTANT'S


   We consent to the incorporation by reference in this Registration
   Statement on Form S-8, pertaining to the Management Development and
   Recognition Plan and Trust Agreement, as amended,  of our report dated
   October 18, 1996, which appears on page 16 of the 1996 Annual Report
   to Stockholders of CSB Financial Group, Inc., which is incorporated by
   reference in CSB Financial Group, Inc.'s Annual Report on  Form 10-KSB
   for the year ended September 30, 1996.



                                      /s/ McGladrey & Pullen, LLP
                                      McGLADREY & PULLEN, LLP

   Champaign, Illinois
   September 24, 1997