Exhibit 23.2  Consent of Moore, Horton & Carlson, P.C.


                 [LETTERHEAD OF MOORE, HORTON & CARLSON, P.C.]
 


                        CONSENT OF INDEPENDENT AUDITORS

The Board of Directors
PFSB Bancorp, Inc.
Palmyra Saving and Building Association, F.A.
Palmyra, Missouri 63461

    
We consent to the use in this Pre-Effective Amendment No. 2 to Registration
Statement on Form SB-2 on behalf of PFSB Bancorp, Inc. of our report date
November 18, 1998, relating to the consolidated financial statements of Palmyra
Saving and Building Association, F.A. which appears in such Registration
Statement. We also consent to the reference to us under the headings "Legal and
Tax Opinions" and "Experts" contained in the Prospectus, which is a part of such
Registration Statement.      


                                              /s/ Moore, Horton & Carlson, P.C.
    
Mexico, Missouri 
February 2, 1999