EXHIBIT 23.2   CONSENT OF LENTOL, VIOLET, KIENITZ & COMPANY









                              ACCOUNTANTS' CONSENT



We consent to the inclusion in the Conversion Application on Form AC filed by
Citizens Federal Savings and Loan Association and the Registration Statement on
Form S-1 filed by Delphos Citizens Bancorp, Inc. of our report dated November
15, 1995 and July 2, 1996 on the financial statements of Citizens Federal
Savings and Loan Association as of September 30, 1995 and 1994 and for the three
year period ended September 30, 1995.  We also consent to the reference to us
under the heading "Experts" in the registration statement.





                                   /s/ Lentol, Violet, Kienitz & Company

                                   LENTOL, VIOLET, KIENITZ & COMPANY



Lima, Ohio
September 30, 1996