EXHIBIT 23

                          CONSENT OF INDEPENDENT ACCOUNTANTS



The Board of Directors
CKF Bancorp, Inc.


We  hereby  consent  to the  incorporation  by  reference  in  the  Registration
Statement on Form S-8 (No.  33-83972)  of CKF Bancorp,  Inc. of our report dated
August 11, 2000,  relating to the  consolidated  financial  statements  of First
Lancaster Bancshares,  Inc. and Subsidiary for the years ended June 30, 2000 and
1999,  which appears in Exhibit 99.1 in this Current Report on Form 8-K/A of CKF
Bancorp, Inc.



/s/ PricewaterhouseCoopers LLP

Louisville, Kentucky
August 10, 2001