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EXHIBIT 23.3     CONSENT OF ROBB, DIXON, FRANCIS, DAVIS, ONESON AND COMPANY





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                     CONSENT OF CERTIFIED PUBLIC ACCOUNTANTS
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We have issued our report dated March 18, 1998,  accompanying  the  consolidated
financial  statements  of  Central  Federal  Savings  and  Loan  Association  of
Wellsville, appearing in the Form 10-KSB Report filed by Grand Central Financial
Corp.  with the Securities and Exchange  Commission on March 31, 1999,  which is
incorporated  by reference  in this  Registration  Statement.  We consent to the
incorporation by reference in this Registration  Statement of the aforementioned
report.






Robb, Dixon, Francis, Davis, Oneson & Co.

/s/ Robb, Dixon, Francis, Davis, Oneson & Co.


Granville, OH
August 6, 1999