EXHIBIT 23.2





                            [Letterhead of BKD, LLP]


            Consent of Independent Registered Public Accounting Firm


The Board of Directors
Harvard Savings, MHC
Harvard, Illinois

We hereby consent to the use in this Registration  Statement on Form S-1 and the
Application  for  Conversion of our report dated May 26, 2009,  except for Notes
20,  21 and 22 as to which  the  date is  December  23,  2009,  relating  to the
financial  statements of Harvard Savings,  MHC, and to the reference to our Firm
under the caption "Experts" in the Prospectus.


/s/ BKD, LLP

Decatur, Illinois
December 23, 2009