ACCOUNTANTS' CONSENT



    We have issued our report dated November 29, 1995 accompanying the
financial statements of The Market Building and Saving Company contained in
Forms S-1, AC and OC of Market Financial Corporation to be filed with the
Securities and Exchange Commission and the Office of Thrift Supervision on or
about August 14, 1996.  We consent to the use of the aforementioned report in
the Registration Statement and Prospectus, and to the use of our name as it
appears under the caption "experts".



Grant Thornton LLP

Cincinnati, Ohio
August 12, 1996