EXHIBIT 23.1    CONSENT OF CROWE, CHIZEK AND COMPANY LLP

 
                             ACCOUNTANTS' CONSENT



We have issued our report dated July 22, 1998, accompanying the financial
statements of First Federal Savings and Loan Association of Warren as of and for
the year ended June 30, 1998, included in  the S-1 to be filed with the
Securities and Exchange Commission and the Form AC to be filed with the Office 
of Thrift Supervision on or about September 9, 1998. We consent to the use of
our report and our name as it appears in the Prospectus under the caption
"Experts."


                                 /s/ Crowe, Chizek and Company LLP

                                 Crowe, Chizek and Company LLP

Cleveland, Ohio
September 9, 1998