EXHIBIT 23.2


                     CONSENT OF INDEPENDENT ACCOUNTANTS


   We consent to the incorporation by reference in this Registration
   Statement on Form S-8, pertaining to the 1997 Nonqualified Stock
   Option Plan,  of our report dated October 20, 1995, which appears as
   exhibit 99.1 in the Form 10-KSB of CSB Financial Group, Inc. for the
   year ended September 30, 1996.


                                      /s/ Larsson, Woodyard & Henson, LLP
                                      LARSSON, WOODYARD & HENSON, LLP

   Paris, Illinois
   September 24, 1997