Exhibit 23.5 - -------------------------------------------------------------------------------- [CRUTTENDEN ROTH LETTERHEAD] May 22, 1996 To Whom it May Concern: We hereby consent to the use of our name in the Joint Proxy Statement/Prospectus in the Section "Reorganization" and to the inclusion of our fairness opinions as an appendix to the Joint Proxy Statement/Prospectus. Thank You, /s/ Byron Roth ------------------------- Byron Roth President, Cruttenden Roth [Footnote - Letterhead]