Exhibit 23.2


CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Clay County Savings and Loan Association

We hereby consent to the use in this Form SB-2 of our report dated October 25,
2001 appearing in the Prospectus, which is part of this Form SB-2, and to the
references to our firm under the heading "Experts" in such Prospectus.


                                            /s/ Michael Trokey & Company, P.C.
                                            ----------------------------------
                                                Michael Trokey & Company, P.C.
                                                Certified Public Accountants


November 1, 2002
St. Louis, Missouri