CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Security Federal Bank, a Federal Savings Bank


We consent to the use in this Registration Statement on Form SB-2 filed with the
Securities and Exchange Commission and Form AC filed with the Office of Thrift
Supervision on September 20, 1999, of our report dated July 29, 1999, on the
financial statements of Security Federal Bank, a Federal Savings Bank for the
year ended June 30, 1999. We also consent to the reference to us under the
headings "The Conversion - Effects of Conversion to Stock Form - Tax Effects,"
"Legal and Tax Opinions," and "Experts" in this Registration Statement on Forms
SB-2 and AC.


                                    /s/ Crowe, Chizek and Company LLP
                                    Crowe, Chizek and Company LLP

Oak Brook, Illinois
September 20, 1999