CONSENT OF INDEPENDENT AUDITORS


We consent to the  incorporation  by reference  in  Registration  Statement  No.
33-91684 of WVS  Financial  Corp. on Form S-8 of our report dated July 31, 1998,
appearing in the Annual Report on Form 10-K of WVS Financial  Corp. for the year
ended June 30, 1998.




/s/S.R. Snodgrass, A.C.





Wexford, PA
September 16, 1998