CONSENT OF INDEPENDENT ACCOUNTANTS



     We consent to the incorporation by reference in the Registration Statements
(File Nos. 333-1350,  333-4242 and 333-79843) of Ottawa Financial Corporation on
Form S-8 of our report  dated  March 1, 2000,  on the  financial  statements  of
Ottawa  Financial  Corporation  as of December 31, 1999 and 1998 and for each of
the three years in the period ended December 31, 1999,  which report is included
in the  Corporation's  1999  Annual  Report on Form 10-K filed  pursuant  to the
Securities Exchange Act of 1934, as amended.




                                     /s/ Crowe, Chizek and Company LLP

                                     Crowe, Chizek and Company LLP


Grand Rapids, Michigan
March 28, 2000