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            EXHIBIT 23  CONSENT OF CROWE, CHIZEK AND COMPANY LLP



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                          INDEPENDENT AUDITORS' CONSENT
                          -----------------------------



We consent to the incorporation by reference in this Registration Statement on
Form S-8 of Lawrence Financial Holdings, Inc., filed with the Securities and
Exchange Commission, of our report dated February 24, 2000, on the financial
statements of Lawrence Federal Savings Bank as of and for the years ended
December 31, 1999 and 1998, which report is included in the Lawrence Financial
Holdings, Inc.'s Registration Statement on Form SB-2 (SEC No. 333- 45404), as
amended, dated November 20, 2000.



                                          /s/ Crowe, Chizek and Company LLP
                                          ---------------------------------
                                              Crowe, Chizek and Company LLP


Columbus, Ohio
March 21, 2001