EXHIBIT 23.2


                   CONSENT OF KEEFE, BRUYETTE & WOODS, INC.


     We hereby consent to the use of the form of our opinion letter to the Board
of Directors of First Place Financial Corp. included as an exhibit to the Joint
Proxy Statement/Prospectus relating to the proposed merger of First Place
Financial Corp. and Ravenna Savings Bank and to the references to our firm and
such opinion in such Joint Proxy Statement/Prospectus.  In giving such consent,
we do not admit that we come within the category of persons whose consent is
required under Section 7 of the Securities Act of 1933, as amended, or the rules
and regulations of the Securities and Exchange Commission thereunder, nor do we
thereby admit that we are experts with respect to any part of such Registration
Statement within the meaning of the term "experts" as used in the Securities Act
of 1933, as amended, or the rules and regulations of the Securities and Exchange
Commission thereunder.


                                         /s/ Keefe, Bruyette & Woods, Inc.

                                         Keefe, Bruyette & Woods, Inc.



January 22, 2000