Exhibit 23.2


               [Letterhead of Craine, Thompson & Jones, P.C.]


                         CONSENT OF INDEPENDENT AUDITOR


We consent to the use in the Amended Registration Statement on Form S-1 filed
with the Securities and Exchange Commission and in the Amended Application for
Conversion on Form AC filed with the Office of Thrift Supervision of our report
dated September 18, 2002 on the financial statements of Jefferson Federal
Savings and Loan Association of Morristown as of June 30, 2002 and 2001 and the
three years ended June 30, 2002.



                                            /s/ Craine, Thompson & Jones, P.C.
                                                Craine, Thompson & Jones, P.C.



Morristown, Tennessee
May 1, 2003