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            EXHIBIT 23.1     CONSENT OF CROWE, CHIZEK AND COMPANY LLP





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               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
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We have issued our report dated October 30, 1996 on the financial  statements of
Citizens  Federal  Savings  and Loan  Association  appearing  in the 1996 Annual
Report of Delphos Citizens  Bancorp,  Inc. to its  shareholders  included in the
Annual  Report on Form  10-K for the year  ended  September  30,  1996  which is
incorporated  by reference  in this  Registration  Statement.  We consent to the
incorporation by reference in the Registration  Statement of the  aforementioned
report.



/s/ Crowe, Chizek and Company LLP


Columbus, Ohio
November 13, 1997