Exhibit 23.1

                         CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 (No. 333-87745) of Scripps Financial Corporation of our
report dated February 4, 2000 which is included in this Annual Report on Form
10-K.


PricewaterhouseCoopers LLP



San Diego, California
March 29, 2000