EXHIBIT 23.3

The Board of Directors
FFY Financial Corp.

   We consent to the use of our report dated July 28, 2000, with respect to the
consolidated statements of financial condition of FFY Financial Corp. and
subsidiaries as of June 30, 2000 and 1999, and the related consolidated
statements of income, stockholders' equity, and cash flows for each of the
years in the three-year period ended June 30, 2000, included herein, and to the
reference to our firm under the heading "Experts" in the registration
statement.

                                          /s/ KPMG LLP

Cleveland, Ohio
August 14, 2000