Exhibit 23.1



                         Consent of Independent Auditors



     We hereby consent to the  incorporation by reference and use of our report,
dated July 23, 1998, on the consolidated  financial statements of MSB Financial,
Inc. which appears on page 16 of the MSB  Financial,  Inc. 1998 Annual Report to
Shareholders and is incorporated by reference in the MSB Financial,  Inc. Annual
Report on Form  10-KSB for the year ended June 30,  1998,  in this  registration
statement  on Form  S-8 for  the MSB  Financial,  Inc.  1997  Stock  Option  and
Incentive Plan.



                                      /S/ Crowe, Chizek and Company LLP


Grand Rapids, Michigan
February 3, 1999