Exhibit 23


                         INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference in  Registration  Statement  Nos.
333-67655  and  333-84347  of Thistle  Group  Holdings,  Co. on Forms S-8 of our
report dated January 24, 2000,  incorporated  by reference in this Annual Report
on Form 10-K of Thistle  Group  Holdings,  Co. for the year ended  December  31,
1999.


/s/Deloitte & Touche LLP

DELOITTE & TOUCHE LLP
Philadelphia, Pennsylvania
March 29,  2000