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            EXHIBIT 23.1     CONSENT OF CLARK, SCHAEFER, HACKETT & CO.




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                  [CLARK, SCHAEFER, HACKETT & CO. LETTERHEAD]





               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
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We have issued our report dated  January 23, 1998 accompanying the  consolidated
balance  sheets of Lenox Bancorp,  Inc. (the  "Company") as of December 31, 1997
and 1996 and the related statements of income,  changes in stockholders' equity,
and cash flows for each of the three  years in the  period  ended  December  31,
1997,  which report is  incorporated  by reference in the Annual  Report on Form
10-K for the year ended  December 31, 1997. We consent to the  incorporation  by
reference in this Registration Statement of the aforementioned report.



                                          /s/ Clark, Schaefer, Hackett & Co.


Cincinnati, Ohio
July 21, 1998