Exhibit 23.1


                         CONSENT OF INDEPENDENT AUDITORS



We consent to the incorporation by reference in the Registration Statement (Form
S-8) pertaining to the Standard Financial, Inc. Stock Option Plan of our report
dated January 26, 1996, with respect to the consolidated financial statements of
Standard Financial, Inc. incorporated by reference in its Annual Report (Form
10-K) for the year ended December 31, 1995, filed with the Securities and
Exchange Commission.




                                   ERNST & YOUNG LLP


May 15, 1996
Chicago, Illinois