Consent of Independent Auditors



     We hereby consent to the  incorporation by reference and use of our report,
dated  February 26, 1999,  on the  consolidated  financial  statements of Ottawa
Financial Corporation which appears on page 28 of Ottawa Financial Corporation's
1998 Annual Report to  Shareholders  and is  incorporated by reference in Ottawa
Financial  Corporation's  Annual Report on Form 10-K for the year ended December
31, 1998, in this  Registration  Statement on Form S-8 for The Ottawa  Financial
Corporation 1995 Stock Option and Incentive Plan.


                                            /s/ Crowe, Chizek and Company LLP




Grand Rapids, Michigan
May 28, 1999