EXHIBIT 23.1
 
                              ACCOUNTANTS' CONSENT
 
We  have  issued  our report  dated  July  19, 1995  accompanying  the financial
statements of Foundation Savings Bank in Forms S-1, AC, and OC to be filed  with
the  Securities and Exchange Commission and  the Office of Thrift Supervision on
or about June 14, 1996.  We consent to the use  of the aforementioned report  in
the  Registration Statement and Prospectus, and  all amendments, thereto, and to
the use of our name as it appears under the caption "Experts".
 
CLARK, SCHAEFER, HACKETT & CO.
Cincinnati, OH