Exhibit 23.2






                        Independent Accountants' Consent




                              ACCOUNTANTS' CONSENT



We have issued our report dated June 17,  2002,  accompanying  the  consolidated
financial  statements of Wayne Savings  Bancshares,  Inc. which is  incorporated
within the  Corporation's  Annual Report on Form 10-KSB for the year ended March
31, 2002. We hereby consent to the  incorporation by reference of said report in
the Corporation's Form S-8 (333-41479).


/s/ Grant Thornton LLP

Cincinnati, Ohio
June 4, 2003