EXHIBIT 23(a)





                      CONSENT OF INDEPENDENT ACCOUNTANTS


     We  consent  to the  incorporation  by  reference  in  this  Registration
Statement  of Potters  Financial  Corporation  on Form S-8 of our report dated
February 1, 1996, on the  consolidated  balance sheets of The Potters  Savings
and  Loan  Company  as  of  December  31,  1995  and  1994,  and  the  related
consolidated  statements of income,  changes in shareholders'  equity and cash
flows for the three years in the period ended December 31, 1995.




                                            Crowe, Chizek and Company LLP


Columbus, Ohio
September 3, 1996