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EXHIBIT 23.2 CONSENT OF DELOITTE & TOUCHE LLP





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            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in this Registration Statement on
Form S-8 of our report relating to the consolidated financial statements of
Ocean Shore Holding Co. dated March 25, 2005, appearing in the Annual Report on
Form 10-K of Ocean Shore Holding Co. for the year ended December 31, 2004.



/s/ Deloitte & Touche LLP
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Philadelphia, Pennsylvania
August 15, 2005