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 Amendment No. 3 to the Form S-1 to
be filed with the Securities and Exchange Commission on or about November 10,
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
    
November 10, 1998