EXHIBIT 23.3   CONSENT OF MULDOON, MURPHY & FAUCETTE



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                                     CONSENT


     We hereby consent to the references to this firm and our opinions in the
Registration Statement on Form S-1 filed by Delphos Citizens Bancorp, Inc. and
all amendments thereto and the Application for Conversion on the Form AC filed
by Citizens Federal Savings and Loan Association of Delphos (the "Association")
and all amendments thereto, relating to the conversion of the Association from a
federally-chartered mutual savings association to a federally-chartered stock
savings bank to be known as Citizens Bank of Delphos, the concurrent issuance of
the Association's outstanding capital stock to Delphos Citizens Bancorp, Inc., a
holding company formed for such purpose, and the offering of Delphos Citizens
Bancorp, Inc.'s common stock.



                                 MULDOON, MURPHY & FAUCETTE
                                 /s/ Muldoon, Murphy & Faucette




Dated this 30th day of
September, 1996